GM Financial Reviews

Title was going to take 30-60 days & the Welcome package is suppose to have documents that will help me get car registration done. But now, they are saying both Title & Registration will take 30-60 days & I cannot drive the car during this time. I was not told this when I explicitly asked them about getting the car registered because no one in their right mind will ever sign the Lease Assumption document if they cannot drive the car for 2 months AFTER application approval (which takes over 3 weeks in the first place). GM Financial lied to me in the beginning of the process & it is a way to Trap Customers with their unethical means of business.

• Any escalation path for unique circumstances

From a consumer standpoint, this raises serious concerns about how GM Financial applies hardship policies and whether those policies are reasonably structured to address real-world financial disruptions. There is a clear distinction between what is legally required under laws such as the Service Members' Civil Relief Act and what a company may choose to offer as part of its broader customer support practices. In this case, GM Financial appears to rely strictly on minimum legal requirements rather than demonstrating any meaningful flexibility for customers experiencing legitimate hardship. As someone actively trying to meet my obligations, I find the lack of accommodation and absence of a structured hardship pathway troubling. This approach increases the likelihood of unnecessary defaults rather than preventing them.

• Provide transparent communication around all available options before accounts reach critical status.

Consumers should be aware that in situations involving financial hardship, GM Financial may not offer flexibility beyond narrow policy guidelines, regardless of individual circumstances.

When I called to inquire about a refund, they asked if I rolled into another gm loan, I said no, and they said then there are no funds due for return. Absolutely ridiculous. But if I had gone over the miles I would have to pay 25 cents per mile. Such garbage. Then 2 months later I receive a notice for payment for a disposition fee. WHAT? What the hell is a disposition fee? Im a nutshell its a restocking fee for them to put it back out on the lot for resale. Yea. No, not paying that.

I called gm financial twice, first time the lady was incredibly rude, when I asked for a supervisor she repeatedly told me there was no supervisor available and would not transfer me to one, I ended up hanging up. Called back again and their staff at this point are just trained mean little robots, this time the rep said the same thing and I hung up overwhelmingly upset and irritated. I will never go through gm financial again. HORRIBLE CUSTOMER SERVICE. If you do read all the fine print in your lease/loan agreements and be prepared to get screwed as a consumer. They are awful!

During the call, I was informed that GM Financial had stopped my auto-pay two payments before the end of the agreement and that I would now be required to make the payments manually. I advised them that I had not received any notice, correspondence, or telephone call informing me of this change. I then made the payment over the phone, and my final payment is due on February 3, 2026.

I questioned whether this practice allows late fees and additional interest to accrue without the customer's knowledge. I also requested documentation showing where GM Financial discloses that auto-pay will be stopped two months prior to the end of the loan term. I was told that no such written documentation exists. I then asked to speak with a supervisor for further clarification, but instead of being transferred to a supervisor, I was transferred to the collections department.

This situation is unacceptable and deeply concerning. Had I not taken the initiative to contact them, this issue would have gone unnoticed, potentially resulting in late fees, interest charges, and negative repercussions on my account. GM Financial does not extend grace periods on missed payments, and such a situation could have ultimately placed my vehicle at risk of repossession. This practice of GM Financial is appalling.

When my insurance company paid my claim, they did not credit my account nor notify me until I called three weeks later. The customer agent was rude, disregarded my concerns, and focused only on how I should make monthly payments, or they would continue reporting to the credit bureau and continue collection activities. I told them that I had a gap insurance claim pending and needed it resolved and the remaining balance paid, but they continue to report it adversely to the credit bureaus. Gap finally sent a check in my name on October 25, but as of December 3, they neither credited my account nor acknowledged receipt of the check until I called. They told me they did not receive the check. When my insurance company made a lump payment, it did not reduce my interest charges.

So they make me sign up for automatic draft. I wire them $1297 immediately. They said they never received it. I wire another $1600 (why a different amount, who knows?). They receive it. Two days later they notify us, they received both wired amounts. They can't refund it though so they just keep it for future payments on top of the monthly payments. Nice racket. Get the car back and they claim it's no big deal. They aren't reporting it to the credit bureaus. Two months later, I go to buy a car. Sales guy - "How's your credit?" me - "Perfect!" 20 min later.... What happened with GM Financial? I almost blew a gasket. My credit score went from 820 to 647 from this ridiculous policy change. I disputed with all the credit bureaus and called GM many times. No one can make a decision.

No one has the ability or the authority to do anything. They blame other agents who misspoke. They blame the Post Office. They have recorded phone calls that they will not allow me to listen to. They now lie about having my checks. They say they never received checks and the rep misspoke. This isn't a company. It's an embarrassment to call themselves a company. I would never buy another GM product and certainly never do business with GM Financial ever again.