GM Financial Reviews

I've been fighting for the past YEAR with GM Financial to finally release the title for my vehicle Yes the vehicle was paid off a year ago. They are unable and unwilling, after repeated calls, to remove their name as the Lien Holder and send me my title. They will not send a letter stating that the vehicle loan has been paid. I've notified my insurance carrier about this issue so my car insurance policy has been updated. Since my last call, where they were threatened with legal action, have since removed my account from their website. So I can no longer provide my account information.

Sixteen months ago, I leased a Silverado with the expectation that the Park Assist Retrofit sensor, which was promised to be available shortly after my purchase, would be included. However, the part is only now becoming available for installation on my truck. Throughout this time, I've been making monthly payments that account for these features, even though they haven't been present. If the equipment wasn't included in the first place, my payments would have been lower. Despite this discrepancy, GM has stated that they cannot offer any resolution. Why should I continue making payments for features that I haven't received for over 16 months with no option to be credited to my account or anything? This is my 4th GM lease and I won't be coming back.

Totally scammed for $500. Who charges that much for a one working and one retired couple? Now only one retired. The Aiken SC branch charged way too much. There were no additional needed input except for one low salaried W2 and social security which is not taxed in our state. She trumped up and exaggerated facts and lied, even what we felt was like extortion, to charge us more for unnecessary extras. NEVER AGAIN. And I wish there was a way to refund the theft. By the way, we went to a nearby tax preparer and the cost was $50. And they got us a better refund amending HR Block's scam.

What a completely incompetent company. They reported a late payment towards the end of my lease on my credit and it was not even close to late. They also took an extra payment on my last payment and it’s been over 30 days and still no refund. I am done with Chevy.

I often overpay on my auto loan to bring down my principal and pay off the loan quicker. With GM, you have to contact them to ask them to apply it to principal. Most financial agencies automatically do that. Anyway, on my last pmt, I over paid by $900. I made the phone call. They told me it would be taken care of. Two weeks and five phone calls later, still not done. I’m getting the runaround. I don’t think it’s ever going to be properly applied and I just wasted the overpayment. They are incompetent and it’s been nothing but frustrating and stressful. I wouldn’t use them. I can’t wait to pay off this loan early and just be done with them. I will be filing a complaint with my state attorney general's office.

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.

Terrible customer service right from the start. I leased a GMC Terrain. Tolerated the car (which was chronically in the shop) and tolerated GM Financial at the same time. After a year (my lease was for 3 yrs) I bought it out and paid it off so that I could get rid of it and them and get a car that actually operates like a new car should. Lesson learned. Hopefully this helps you prevent the same inconvenience.

I ended up in a bad car accident. I was out of a job and on bed rest for 8 months. They refused to work with me. When my payments were caught up they still reported them late for 6 months hurting my credit.

In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car (no unreported accidents and/or issues), an affordable monthly amount, and hidden fees. I purchased the car for approx. $20,000 in 2017. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $600/mth for a 2014 car only worth $20,000. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant.

I have been a loyal, GM and Cadillac customer despite them not having a great lineup at this time. I am going through some unforeseen financial difficulties, which will be resolved quickly, but I need some help. I called GM Financial, hoping that they would be compassionate, however they didn’t care, and I spoke to a very rude lady who was very unhelpful. I can’t wait for my lease to be up so I can invest in a company and a brand that cares about their customers. I’ve had for GM vehicles recently and never missed a payment, but the one time I need help they treated me like a degenerate -goodbye GM whenever I can.

Website is always down so you cannot pay and most of the time you cannot get through to an agent and then they tell you to pay with them which costs $10 or mail it which I do not have a payment stub or envelope from them and that would take up to 10 days to clear which adds daily interest. We are going to explore our options to refinance this.

I had my account set up with them on auto payments. The very last payment switched off auto without me knowing it. Called them and thought I had it sorted out. They said it always does that on the very last payment. Did a credit check and it is on there that my very last auto payment was 60 days late. Was never fixed.

DO NOT GET A LOAN WITH THIS COMPANY! THEY ARE CROOKS! Last May my sister passed away and left her vehicle to my daughter. She had a car loan through this company. My sister’s death occurred in the vehicle so it has been in the possession of a car insurance company and repair shop for the past 6 months. During this time, I have been trying to contact GM to inquire about the loan, (how much payments are, where to send payment, etc). They have refused to talk to me despite receiving the paperwork they demanded I provide proving that I have authorization to do so (Death Certificate, Probate Forms, Authorization from the Executor of the Estate, etc).

Worst financial company I have ever dealt with! I was instructed not to make a final payment on my lease because the dealership would make that payment so I did as instructed. GM Financial then reported a late payment to the credit bureau. Even after I called them to get this corrected they refused!

I got stuck with this company thru Victorville Chevy. I was badly burned on a new car purchase. Lost approx $11k on a KBB instant cash offer. I was blindsided and with my Fico score of 790 I got 6.39% with GM. In fact the dealer told GM he doesn't know me & has no record of me while I was on hold with GM. Then I received details from GM on my loan the next day. My contract has numerous bogus charges to boot. Now I am reading all the negative reviews on this company and I am convinced GM, Chevy & KBB have an egregious fraud & deceptive sting operation going. I am devastated by it all. I can't seem to get any resolve with this. If I were a wealthy person and could afford this reception great! Newsflash, I am not!

I called GM Financial to verify my payoff amount, make my last payment, and update my address for my title. The first person that I spoke with said they could not hear me. I asked to be transferred, she told me to call back. I called back. The 2nd person that I spoke with put me on hold for several minutes, said that she had to take another call while helping me. I asked to speak with a department supervisor. After placing me on hold for over 5 minutes, she told me that no one was available. She then transferred me to leave a voicemail, I left one.

Sit on hold for hours & still not reach a person. Virtual communication options says to call the dealer or the customer service line which nobody answers. Just want a lease payoff figure & am directed to go to the dealer who in turn wants to add additional fees. Then when try to file complaint online I'm prompted with "complaint can't be submitted. Please call customer experience" which is the same number I've been trying which prompted reason for complaint.

I am trying to purchase my leased Chevy truck after paying my last lease payment. Financial organizations require a (copy) of the title. I called 4 times so far as well as used live chat and had my credit union call as well. All for not. We have been told the copy was faxed twice when it wasn't, then were told I had to request it to the credit union when they called and I was told the credit union had to request it. The latest call said we both have to be on the phone to request it. I have had 2 dropped calls after waiting 45 mins on the phone and been told they would call me back and they didn't.

I have no idea how a company in 2022 how a company is:

Misleading and deceptive company. I leased my car for three years with them and normally, companies will allot more mileage if you extend your car lease, but not this one--first time I am hearing this and everyone was shocked to discover this as well as this is unheard of. It's their manipulative way of trying to push you to get into another car with them and them only. They charge an extra .25 a mile after your mileage allowance is up, which again was not stated in the contract. Moreover, this company is fraught with limitations like this and others.

My jeep got repossessed. I'm not blaming no one but me on this. Anyway I got the money all of what they asked for, provide the ins. I did. Said they had to verify so call back in 15 mins. I said I'll give them over a hour so I call back and they said they hadn't even looked at it. Had to wait another hour only to find out that they gave me the wrong pay off amount by 21dollars so I had to call and get that fixed. The problem is they don't care and are rude. So I had pay a another service charge but the time it took literally 5 hours. Had to call back 12 times and after paying everything. They said they called me to tell me where my vehicle was. Never got a phone call. I had to call and ask what was the the status. GM said they called but my cellphone was busy and never called again. What are the odds. Never had the problem before. Just all the way around terrible.

I was 17 months into a 36 month lease for a Silverado P/U when 1/4% sales tax hike went into effect in my County. I was making all of my payments in a timely manner via Auto Payments through my bank. GM made the unilateral decision to stop accepting my Auto Payments without any notice of the $5.85 per month increase adjustment. There was no courtesy notice of any kind regarding the increase so I was unaware that they stopped accepting my payments. A simple letter from GM would have avoided what was to happen next but somebody made the executive decision to not extend this common courtesy to a customer who was a lifelong GM driver.

Hands down the worst financing company ever. After 5 years I paid off my loan 8 MONTHS LATER 23 CALLS [INC INS COM] a ltr THAT IS NOT MY LIEN RELEASE; AND STILL THEY REFUSE TO PROVIDE MY DOCUMENTATION. I continue to contact them including 3 way calls with ins. com. I get the runaround and only a poorly worded letter stating I have completed my obligation. THEY HAVE NOT reported it to the credit bureau. THEY REFUSE to provide a clean title; and my ins. com. cannot pay out what I am owed due to these charlatans. Even ins. com. states they are overly difficult in procuring needed documentation...is there anyone in this company that is accountable? NEVER, NEVER, NEVER USE THEIR FINANCIAL SERVICES.

Paid my lease off On January 13th 2022. Have sent them the documentation that they require 3 times. It is now March 8th and I still don't have a title. After speaking to their customer service on many different occasions terrible terrible customer service.... Went to the dealership where I purchased the vehicle and they inform me this is the usual with GM financial.... Spoke to a customer service representative Debra **. Left her multiple messages and have heard nothing....

I cannot and I will not leave a bad remark GM Financial worked with me and they understood and did not ever treat me like a investment. Even though my car was repoed they still tried to help. They truly do care. Not like other companies. My wifes first husband passed away about 10 yrs ago so the house was left to the children. My stepchildren and wife agreed to sell the that was left to them. So we hired a company to sell the house and whatever we had left we were going to start a new life. The company did not even give the kids a dime they kept everything and forged the deed to the house. So I lost my car and the house my step children were devastated. I just want to say thank you TO GM financial for caring. THEY REALLY DO CARE. And again I am so sorry GM Financial.

My three years with GM has (with the exception of the truck) been straight garbage from the very beginning, starting with the salesperson firmly placing a budget dagger between my shoulder blades. Told him *exactly* what I could afford to spend on a vehicle in total and was promised that he could get me into the truck I wanted with no issues. He then saddled me with a lease that didn't account for the excise payments, which they then sent me a single four-figure bill that absolutely shattered my budget every year. It was a complete exploit of my inexperience with auto leases. It was pretty awesome the first time around as the mailed bill never even stated why I owed them over a thousand dollars out of the blue, and the app didn't even show it as existing. Even the following year when the app did show that I owed more, it never explained or broke down what was owed or for what. It only got worse. That app is straight trash.

At the end of my loan (last payment) I was billed an extra $871.00 because I was offered a deferment during my loan. I understand it would extend my final payment date back. But I wasn't told I was going to billed for extra interest because of this. Especially since they offered me the deferment. Sad to say I am now out almost 1k because of their scams.

I paid off my vehicle and months later the company said that they were going to repossess my vehicle because I owed a balance. No statements, phone calls, emails or any notifications were sent to me saying that I had a balance after my maturity date payment was made. I even called and spoke to 2 reps that said I had a zero balance and that I would get my paperwork in the mail. I called months later and still haven't received it and now they want to take the vehicle.

Asked GM for help when it came to a financed truck. After a speaking to one lady. Was told to send in Carfax paperwork that clearly states information that was not disclosed by the dealership. I proceeded to send in paperwork. When I called back, I find out my case is being closed out before I was able to show anything. For what reason I don't know. But y'all want payments for a truck that's is not able to be driven. It's sad to know that anyone refuse to help in any way. The only person that was very helpful was the customer service woman who helped me get the papers in. But we have yet to hear anything back about the situation. Hurt and ignored.

Class Action lawsuit is being file against GM Financial for consumer fraud, Fraudulent Business Practice to be a part of this 20m Dollars Class Action, Complaints must be file with your State Attorney General Office and the Federal Trade Commission at Ftc.ReportFraud.ftcgov.

I am extremely unhappy with Chevrolet and GM Financial. In May 2021 I financed a Chevy Bolt 2021 in the Chevy in Mt. Kisco, New York. Not knowing much about electric vehicles I asked about them and the salesperson told me that there's a lot of chargers in every city and only takes a 20 minutes to get a full charge, which is not true takes way longer than that. My city only has ONE supercharger and it never works so this car has been a big inconvenience for me because there's nowhere for me to charge it. I tried to return it a few days later and got turned away.