Complaints

This profile includes complaints for GM Financial's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  GM Financial

  801 Cherry St Ste 3400 Fort Worth, TX 76102-6854

• 

  Americredit Corp.

  1975 S. Price Road Chandler, AZ 85248

• 

  GM Financial

  1100 Boulders Pkwy, #100 Richmond, VA 23225

• 

  GM Financial

  4000 Embarcadero Dr Arlington, TX 76014-4101

• 

  GM Financial

  5620 South Pointe Centre, Unit 104 Fredericksburg, VA 22407

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.GM FINANCIAL ************ $13,872.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/28/2023

  Please see attached documents.

• Initial Complaint

  Date:02/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called gmf 1/24/2023 to set up a deferment arrangement. The fee wasnt collected at the time of the arrangement. 2/15/2023 my vehicle is repossessed. I thought the arrangement was processed because I never received any calls and was prepared to make my scheduled payment 2/24 as discussed on the phone. After speaking with many different reps, I find out that they had been calling the wrong number to get me to pay this deferment fee. Upon further research, my phone number was changed by the dealership after I signed the documents with my correct phone number. No one is willing to assist and is asking for 3 upfront payments plus fees to get my vehicle back. Had my number not been changed on documents, I wouldve gotten the calls to pay the fee. Not only has this affected my ability to work, it has affected the lives of my children and the likelihood of us being able to move into another home. All I requested was to be able to make the payment as arranged. Im even willing to pay the Feb payment plus the deferment fee. However, I do not have 3 payments plus repo fees for something that couldve been avoided without this clerical error that was out of my control. Im very disappointed and hope to reach someone that can help before I work on legal remedies. I have proof of the application when I purchased the car with my correct and ONLY phone number and proof of what the dealership claims is on file.

  Business Response

  Date: 02/24/2023

  PLEASE SEE ATTACHED

• Initial Complaint

  Date:02/20/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A check was mailed to pay my car loan off to GM Financial. According to the tracking of the overnighted payment. The check was received by GM Financial on February 10. According to customer service representative, the payment was posted on the account on February 13. The payment date is on the 15th of the month. The account would not have been 60 days late. GM Financial reported incorrect information.

  Business Response

  Date: 02/24/2023

  PLEASE SEE ATTACHED

  Customer Answer

  Date: 03/10/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ****** ***

• Initial Complaint

  Date:02/17/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was supposed to turn my leased 2019 Equinox at the end of March 2022, but due to the ************** shortage, I was advised by my salesman, ******************* at the ********************************************* dealership in ******* to contact GM Financial & request a 6 month extension which I did. I contacted **** again at the beginning of September since it was getting close to the 6 month extension due date. **** ordered a 2023 Equinox for me & told me to again contact GM Financial to let them know I have ordered a new car (he provided me with the order number to give to GM Financial) which I did. **** said he was unsure of when my new car would would come in. It could take a month or several months, but he would be in touch with me. I made my November payment of $258.74 on November 21, 2022 (due date was November 22, 2022). **** contacted me on either November 29th or 30th and informed me that my car was in and ready for pick up. This was a very hurried process since he wanted to get me the best deal before any incentives may changed at the end of the month. I turned my 2019 Equinox lease in on Thursday, December 1st and picked up my new 2023 Equinox lease. I was told that I wasn't going to receive a refund for my November payment since I only had my 2019 Equinox for 10 days of what I paid for an entire month or 31 days. I spoke to ***************************** and everyone just tells me too bad! By my calculations taking the total I paid for November which is $258.74 dividing it by 31 days = $8.35. So 10 days x $8.35 = $83.50 for the 10 days I had my 2019 Equinox (Acct #************). I should be refunded $175.24 for the remaining days in the month I paid for and did not have the 2019 Equinox. **** should have had a time frame of when my new Equinox was to be delivered & should have advised me of a delivery date and what to do about my November payment, but he failed to contact me until my new Equinox was ready to be picked up, the November payment was made & the process was rushed.

  Business Response

  Date: 02/24/2023

  Please see attached documents. 

  Customer Answer

  Date: 02/26/2023

  Complaint: 19424457
  
  I am rejecting this response because:  I am attaching the consent form as requested by GM Financial.  I am only allowed 6 calendar days to either accept or reject GM Financials resolution which is supposed to be mailed on Tuesday, February 28, 2023.  By the time I were to receive the letter of explanation via the ***** it will be passed the 6 calendar days and the case would be closed. 
  
  Regards,
  
  ***********************************

  Business Response

  Date: 03/01/2023

  Please see attached documents. 

  Customer Answer

  Date: 03/04/2023

  Complaint: 19424457
  
  I am rejecting this response because:
  
  

  Thank you for your deviated response to my initial complaint and request of a refund for

  my last lease payment of $258.74 made on November 22, 2022 which was finally

  addressed in one sentence in the second to last paragraph of your letter.

  
  

  Your response tries to embellish what a wonderful job GM Financial did with extending

  my lease, adding more miles, etc. Again, my complaint had nothing to do with any of the

  outlined information you provided, only about the last lease payment I made and the time

  I actually was in possession of my previous lease vehicle.

  
  

  The issue still remains that I made a full monthly payment for a lease vehicle on

  November 22, 2022. This covered payment on the vehicle from November 22, 2022

  through December 21, 2022. I only had the vehicle in my possession for 10 of those

  days, again November 22, 2022 through December 1, 2022. I am not paying for

  something that I did not have. The fact of the matter is nowhere in any of the documents

  you provided does it state GM does not pro rate payments based on the number of days

  the vehicle is in my possession during a months time.

  
  Regards,
  
  ***********************************

• Initial Complaint

  Date:02/16/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We paid off our auto loan in its entirety December 28 2022. We received a letter around 1/14/23 stating that they had released the title. As of 2/8/23, no title had arrived, so we contacted the Idaho ***. They have a purely electronic system, and said the electronic title release had not been granted.I spoke to a representative on 2/7/23 who said I just take the letter I received confirming payoff to the ***.On 2/9/23, the several Idaho *** and **************** representatives said in no uncertain terms that title releases are electronic only. On 2/8/23 I spoke to another representative who convinced me to accept a notarized title. I got that and the *** said no, it has to be electronic. On 2/9/23 I spoke to a representative who was going to escalate it for electronic release, then have me called back within ***** hours. As of 2/16/23, one week later, nobody called me back, and *** confirmed no electronic title release. Spoke to a rep on 2/16 who said I should use the paper title. I said I the *** would not accept it, and need to speak to a supervisor. She promised a supervisor call back "after lunch." Two hours later, after no call back, I spoke to another rep. ** said the same story, that paper should be accepted, and that he would escalate itagain. ** sent me to a "manager" voicemail to leave my number for call back. ** was friendly, but did not understand the problem.I have a buyer coming in two days for the car, and no end of this fiasco with my title is in sight.GM Financial has a major glitch in their system, and their reps are not educated at all about the concept of electronic title release. This is likely to cause me a lost sale, and has already delayed the sale by one month past when we should have had the title in hand.

  Business Response

  Date: 02/23/2023

  PLEASE SEE ATTACHED

  Customer Answer

  Date: 03/10/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *****************************

• Initial Complaint

  Date:02/15/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Due to pandemic it has caused me to become behind on my car note therefore resulting in over $600 in late fee. I have attempted to work out a resolution of absorbing fees and was told no fees were assessed over the pandemic and I explained, as we are still in COVID, I am trying to catch up but the late fees are higher than my car note and no representative has been willing to help.

  Business Response

  Date: 02/17/2023

  PLEASE SEE ATTACHED 

• Initial Complaint

  Date:02/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello myself and my wife ********************* have a loan that should have completed 3/11/2022, but due to 8 interest only payments it completed on November 11th 2022, as of this date there was 60 payments made and 8 interest only payments made, well apparently instead of the clock ending that day it did not and not only did the clock not end I supposedly owe over $6,000 additional dollars as of todays date!!! This amount keeps growing everyday and also my loan says Im 91 days past due, which you cant be days past due when all of your payments have been made, I am not asking I am demanding that this loan be zeros out and my title sent to us as this is just straight extortion from myself and my wife whom are both disabled and did our absolute best to get to the end of the loan and make all our pymts, So not only did we make all of our pymts and extension pymts but we also have an autistic son and you are just trying to extract money that is not owed, All Im asking is the account to be zerod and our title sent, now this is what they are doing to there customers but years ago they needed billions from our own federal government , our account number is also done and I received the email from expired loans, my email is ******************* and I just want to put this behind us, just zero out the loan and send my title already and ** for your time Mr * ************************* ***********************************

  Business Response

  Date: 02/21/2023

  Please see attached documents.

  Customer Answer

  Date: 02/21/2023

  Complaint: 19394522
  
  I am rejecting this response because:you didnt send the title and zero my balance
  
  Regards,
  
  *********************

  Customer Answer

  Date: 02/22/2023

  Complaint: 19394522
  
  I am rejecting this response because:
  

  See attached authorization form

  
  Regards,
  
  *********************

  Business Response

  Date: 02/22/2023

  Please see attached document.

• Initial Complaint

  Date:02/10/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a customer and I have been communicating with GM financial on my car and I have been told different things about my car loan. I was told you have to have this amount of money or you will get repossessed and we cant wait. I was told I have made an another payment.

  Business Response

  Date: 02/15/2023

  Please see attached documents. 

• Initial Complaint

  Date:02/09/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a 2021 ***** equinox with GM Financial. I started to have health issues early of 2022. I reached out to GM financial letting them know I was hit with ***** and that I was health issues. I asked them for a payment arrangement and they told me there was nothing they could do. April 2021 I contacted them before my late payment hit, letting them know that I was still suffering from health issues (as i had become permanent disabled with 4 different disabilities) both physical and mental. They still offered nothing to help me despite my efforts and continuous communication. I received a late payment on my credit which tarnished it. I called them again, this time they told me i could get a payment arrangement (which i was eligible for this entire time). In october of 2022 my health issues were worse, my grandfather had been in the hospital since september 2022 and ultimates passed away in october and my job had also cut my hours due to Covid passed around. I contacted them yet again and they were unwilling to accommodate me. In november they offered to accommodate me but I received yet again TWO more late payments. I sent an email to the ceo providing documentation of my situation and never got a response. I included medical information that was only supposed to be reviewed by the *** ***************** and *******************, yet it was reviewed by SEVERAL employees without my consent or knowledge. I did not find out until I called the executive office to get in touch with the *** regarding my ****** ****** told me they are not going to help me. I am utterly mortified by this companys lack of empathy & concern for their customers that pay their bills. They clearly dont care about disabled people at all and hold us to expectations of able bodied people. Their ********************* of my credit has caused my mental disabilities to worsen and I am strongly considering suicide due to this. I have hired a lawyer and I will be pursuing litigation if my case is not resolved immediately.

  Business Response

  Date: 02/13/2023

  Please see attached documents. 

• Initial Complaint

  Date:02/08/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 22, 2022, a car dealership in *********, ***** known as '********* ********' fraudulently submitted an application for credit on my behalf, without my knowledge or permission, to multiple financing companies. This included GM Financial (DBA AmeriCredit Financial). They obtained a copy of my consumer credit report and initiated a "hard credit inquiry", which adversely affects my creditworthiness. I wrote to AmeriCredit Financial repeatedly to inform them of the fraudulent nature of the credit application and to request that they retract the inquiry as unauthorized. I have also filed a police report regarding the unauthorized use of my information to apply for credit in my name. AmeriCredit Financial has so far failed to do so, and the last correspondence I sent them on January 11, 2023, was returned to me because they provided an incorrect address to the credit bureaus with their inquiry. At this time, I ask that they please review the correspondence I sent them (enclosed) and remove the unauthorized credit inquiry from 09/22/2022.

  Business Response

  Date: 02/14/2023

  Please see attached documents.

  Customer Answer

  Date: 02/14/2023

  Complaint: 19362462

  
  
  I am rejecting this response because:

   

  Please see the enclosed authorization form. Thank you.
  
  Regards,
  
  *************************

  Business Response

  Date: 02/14/2023

  We received the completed authorization form. Attached is the letter mailed February 14, 2023. Thank you.

  Customer Answer

  Date: 03/10/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *************************