GM Financial

If all you are ever going to do is pay your bill on time, they are great. I had zero issue for 3 years. But then, my car was sadly damaged in a hail storm. The insurance company gave me the option to sign the check over to the finance company, and they would pay the bill and if there was a balance left over it would be applied to my loan. Or I had the option to sign it over to the auto shop and they just keep the balance. Seemed like a straightforward decision. I called, asked what information they needed in order to pay the shop so I could get my car back. It took about 12 different calls, and numerous reps telling me, or basically threatening me that if everything wasn't done to a T, they would not pay and they would keep the check and I would not get my car back.

We have leased several vehicles through GM Finance for years. Our last leased vehicle we purchased off the lease at the end of June 2023 through GM Mode Financial per GM Finances rules if you want GM Finance. The purchase was seamless and easy. So GM Mode got the hard part of the process right. Unfortunately, it’s the easy part they messed up horribly. There is a license plate questionnaire for vanity plates and whether you want to keep your vanity plates. The vehicle we purchased off the lease had vanity plates and we wanted to keep the vanity plates and responded accordingly. Imagine our surprise when new plates were delivered to us on July 25, 2023. We contacted the DMV and were told GM Mode requested new plates and there was no mention of transferring the current vanity plates. We contacted GM Mode Financial and we’re told it would take 1-2 days for them to figure out what happened and they would get back to us.

In June 2022 my husband's father died and we were told by the TX Judge we could not take possession of any of his property until after probate. We were trying to take over payments on his 2020 GM Colorado. GM wanted us to pay off the truck but we did not want to pay for something we were unable to physically get possession of. 9 months later probate was over and we contacted GM Financial to let them know we have possession of the truck and have the money to send them a check for pay off. My credit union representative spoke to a GM representative by the way. This had to be done on a conference call with my husband's sister because they refused to speak to anyone except the executor of my husband's dad's estate. My credit union rep had to know what they needed from her and she also needed some paperwork from them. Some paperwork was sent to both parties that evening.

23 months ago I'm leasing a Chevy truck. Today I'm looking at trading it in for another 3 year lease. But I'm told it's going to be 660 a month.. As I'm looking to retire soon I can't afford it. Why is GM doing this?!

Gm claimed my mom vehicle was 3 months behind. Gathered all receipts from 2023. Emailed them. Got no response. Now they claiming 3 missed payments in 2021. Emailed those as well. No response. This lady is 80 years old. Has 2 blind children. One in dialysis and these people do not care. We have every receipt with the account numbers on them. Her husband is deceased and passed away in 2019. She has made every payment since. I hope someone is paying attention to these reviews and steps in. What they are doing is illegal. In Louisiana you have to miss 3 or more consecutive payments for repossession. She has only missed one in December 2022.

I paid them a monthly payment. They said it arrived on a weekend. I had mailed it 10 days prior from NJ to Phoenix. An office in Texas said they got it hours after they sent a Repo truck to take my car away. So they not only took my payment but they took the car away. Bank said it can’t help to cancel check sent, so they not only stole the car but they also stole my payment. Recommend to never buy or lease a car from them!

This company will destroy your credit score and refuses to remove the false information they send to the credit bureaus. After the 7 yr limit is reached they will change dates so it stays on till death.

Horrible experience with this so called professional company. I paid my car off and have yet to receive my car title. It's been 2 months and still nothing. Then they informed me that I would have to go to my DMV and pay myself to get the title from them. Absolutely crazy. I would never recommend this company and would warn others to stay clear of them.

Got married in April 2022. It is now March 2023 and they still can’t manage to update my last name. I have done all these ask. Sent the form, sent my proof and EVERY TIME they “never get it”. I have emails which I’m sure are generic that say “this is confirmation we received your request and are working on it” or something like that. Doesn’t matter. They still claim they didn’t receive it and to do it again. I have faxed and emailed everything over and over. I have confirmed the email and fax number. I’m told to do it again and again cause they never get it. So sick of this. It’s ridiculous. I need it to match my insurance and registration. Everywhere else I’ve been able to update my last name. Not here. Honestly give up.

I like to pay a little more and eventually pay early. I just bought my vehicle and specifically told them I want my extra payment to go to principal. They make it near impossible to pay extra. There's not even a place on their site to pay principal. I was told I have to call them every time and request where I want the extra payment to go. They do not like you paying more. I can barely understand them on the phone. I paid extra and now I don't have a bill for another month. They said my extra will go towards the interest next month. Huh? They promised me my extra payment would go to principal. They lied.