GM Financial Reviews

I would give them a zero star if there was such a choice. I made three lease extension payments after my recent lease end and my lease only extended two months, I have contacted them about this issue four times over the past eight days and it is still not fixed. I have been on hold for over 90 minutes this morning and still was not able to reach anyone. I also noticed they have disabled the "submitting a complaint button" on their website, my suspicion is that they probably received an overwhelming amount of complaints for their subpar service.

Refused to refund my money back to my card after constantly sending reminders my payment is due and the app does NOT show my payment processing or paid after making another payment. Customer service advised it would take GM 3-4 days to decide if they would refund one of my 2 payments... 10 days until I receive a payment. I feel they scam their customers right at Christmas!

It's one of the worst businesses ever. In my case, I'm on a monthly extension after a 36-month lease. I prepaid the entire lease based on a total amount deal I made with the dealer. So, I never know what my monthly payment should have been for the 36-month lease. GM Financial never sent me any statement stating what my monthly extension would cost. When I called or used the online chat, I always got a different amount. It seems that each one of them calculated the amount manually and ended with a different number. Very frustrating (especially after hours on the phone over many calls). They all should get an F in their math.

I leased a car for 39 months through GM, then bought it in Feb 2020. I paid off my loan in full, and they never released the lien on the car with the Secretary of State. Didn't take any ownership or responsibility for their error and as a result I was ticketed for expired registration because they never released the lien on my car. Was on hold an average of 40 minutes every time I called until I finally gave up. They messed up majorly, and then dodged the fact it was their fault. 7 hours of my day, and multiple places being on hold. Will never use them again. 6 year olds know how to take responsibility when they've done something wrong...but corporate America? Forget it. GM, you've gotten too big for your britches and you've lost site of the objective. Pat yourselves on the back, and adjust your pants...you've done nothing to earn it.

This company is a scam. They charged me (automatic credit card charge) after my car insurance PAID IN FULL for the total loss. Such a disgusting experience with GM Financial. Will never recommend them to anyone!!

I bought a brand new 2021 Chevy Silverado Z71 back in May with 48 miles on it. And it’s been nothing but a headache less than 6 months later. A common problem in these New Silverado’s online-the lifters went completely bad. The truck is no longer driveable. But there has still yet to be a “recall” because “ that’s only something the government issues. Anyhow-here we are 3 weeks later-no truck-no answers-same runaround from Sam Pierce-GM Financial-and American Chevrolet that it’s not anyone of their responsibilities to fix the problem. No rental coverage-because ”sorry there aren’t any rental cars for 2 weeks out”! No answers.

I traded my Chevrolet in July to another dealership, and a check was sent for payoff, yet GM says they never received payment-- I'm guessing so they could earn more interest or late fee. Maybe they just mishandled the payment. So I had to deal with having another check sent. The dealership I traded with is very reliable- even mailed me my garage door opener that I left in my trade in, and made good on we owe. So, I trust them when they said they sent the payoff the 1st time.

I have now been waiting 29 days for my title. The vehicle has been paid in full for almost a month. After 3 long hold times and promises to expedite this title I still wait. I guess it is time to buy a Jeep.

I called GM Financial to let them know my Aunt passed away and she had a vehicle leased through them. The woman from GM said just have someone take over the lease since there is such low miles on the car. When I called to do that I was told we could not do that as there was no will which means no executor and the executor has to sign off on it. They then stated we could outright buy the car but a bank or dealership had to call for the payoff. I had my mom go to the bank, they got the payoff, she got a check and when we called to ask where to mail it and how to get tags for it GM Financial said, "You can't do that without a signoff from the executor."

Okay .. I work for a bank and see dozens of people daily and then I get surveys. So I’m not one to complain but this company is hot garbage, Honestly and truly. Look elsewhere. You’ve been warned. Worst customer service ever.

Tried numerous times to update my account using the on-line app. Bought 2 vehicles using GM Financial and rely on the app to log in and manage payments, statements, and reference updated info quickly. Representatives are lack the ability to resolve my TIN # error submitted by the dealership in order to add my newly purchased vehicle to the app.

I paid off my truck and needed my lien release to sell it (even an emailed copy). I spoke to 2 customer service reps saying they could do it. Then the 3rd said they can’t, now I have to wait hopefully only 3 weeks to receive it and hope the buyer still wants my truck. Then once my account was paid I didn’t have access to my account online, so they could even send me a letter saying it was paid. Never using them again, horrid experience.

I have two vehicles leased through GM Financial. All was well until an object fell out of vehicle in front of me, I was unable to avoid it. Total Loss. Luckily I had Gap insurance that was required by the company. It was my third year into the lease, 6 months before termination. Just prior to my total loss, a woman picking up items from a neighbor backed into my car, so there was prior damage that had not been repaired. I ended up owing GM financial $861 dollars. My insurance company paid them out, and also gave them my unused licensing fee returned by the state of CA, this was $260. GM agreed that they didn't pay the license fee the years after the first year, so they weren't entitled to the money, however, if my insurance company was going to give them the money they would keep it. They advised me to tell my insurance company to issue them a check that didn't include it and we would be settled.

It is impossible to reach customer service. After 2 wks a person answered. As I was speaking she hung up.. after I waited 55 min. I have been in management and in all my years I have never experienced such incompetence of a financial co. My 3 degrees are not in finance but I'm astute enough to know when a company is horrendous. It should not be allowed to operate. I hope Consumer Affairs can straighten out the company so customers' questions can be answered. I usually have a lexus and after 2 rings their finance co answers your call. To have GM Finance operate in the USA should be forbidden. Americans dont deserve this treatment when paying for any goods.

I have leased multiple vehicles with Chevrolet, my most recent was financed through GM Financial. I drove the vehicle 12,000 miles under the mileage limit, took good care of the vehicle, regular inspections/services, etc. The vehicle had some minor damage upon return (scratched door, small crack in the rear bumper, etc) - nothing that would be deemed as MAJOR excessive damage. I even purchased a XS Wear warranty when leasing the vehicle to cover any accidental damage. GM Financial charged me a HUGE excessive charge amount, are in-flexible, and claimed the vehicle had a ton of damage. I have used other financial companies for my lease in the past and never had these issues, and returned a vehicle in similar conditions. Really dissatisfied with my experience with them and will NEVER lease a vehicle through GM Financial or Chevrolet again.

End of Feb my boyfriend of 20 years TRUCK got repo. I handed him $2000 to get it back. Said he'd pay me back. AprIL 2ND he unexpectedly passes away. I tried to keep payments up with his bankcard. Payments declined. May 17th I get a call from Debra ** a supervisor at GM Financial. I figured she was gonna chew my butt for the returned payment. So May 21 I return her call. She proceeds to tell me if make the loan current she can transfer the title to me and I can finance the truck in my name.. So being out $2000 I took my whole check and 1/2 last weeks check $954 made the loan current. After the payment clears she proceeds to tell me there's less than a year of payments left on the loan that I don't qualify for transfer. She knew all along she could not transfer a deceased person's property. I want to know since when is it ok to lie to someone from a business standpoint.

I turned in a car at end of the lease. I then saw almost $5,000 payment due on account. I called and requested an itemized bill. Customer Service Rep. said I had to pay it and I said I would love to pay it but I cannot download bill online, paid Auto Guard for wear and tear, and want an itemized bill. She said because “lease is over” I cannot get itemized bill on line. I asked if she could see if one was ever sent and she looked and said no. She said she would send me a bill regular mail and I said that was getting close to due date. I asked if she could email a copy and she said they do not have that capability. So no invoice available online or via email. I asked her to go ahead and send snail mail.

I returned my 3 year leased SUV with 6000 miles to the good on it. Salesman inspected the vehicle at the time I turned it in. He saw no problems. Then I get a letter in the mail saying I owed them for "excessive wear and tear" for a flat tire. I didn't drive the car on the lot with a flat, the warning light did not show any problems with the tire/s. I called GM Financial and disputed this charge. They contacted me 43 days later and said they would waive half the cost. I was told I could contact the dealership and have them send the inspection form they filled out and get back with GM Financial. In the meantime GM Financial reported me as 30 days late on a payment and dropped my credit score by 50 points. I don't normally write reviews but I want other consumers to be aware of these fraudulent unfair practices by GM Financial.

I lost my job, asked for an extension. I was told yes. I go to make my payment and it shows I owe 2 payments. I contact them and they said they don’t do deferment. I’ve got text messages to show. Here is their response.. "Good morning, At this time we are not able to offer a deferment. We are flexible with payment arrangements as we work together through this difficult time. As of today you are due for March and April." I’ve owned 3 trucks with them and have NEVER been late or asked for an extension till now. So if you don’t plan on ever having money issues then great if not they won’t work with you.

I presented my problem to the company about the way that they are reporting information on me and that my children and wife. Due to Covid-19 lost my job. Had to move from my house. Live in my mom's basement with my wife and four children and cannot get a house because of the negative reporting charge off. After not being late one time and 9 months losing my vehicle, losing my job and paying for it from my credit report. The trifecta of people not caring about other people even though there is a pandemic that we are going through. Not only that they are punishing me for one payment.

I was out of work for a total of 30 days without pay, this company lies and does everything its power not help. Yet they can take a bail out from my tax money. I absolutely hate this company. The worst customer service department. Advertise that they will help you if you have been impacted by covid but in reality they don’t give a crap about no one.

We helped our 87 yr old mother lease a Cadillac XT5 and we asked specifically if our mother would happen to lose her driving privileges could we terminate the lease. We were told that could be done with a Dr's note stating the reason. Spin ahead to this month we had to take her driving privileges away due to early onset Dementia which was confirmed and documented by her Dr. so we called GM to get help with terminating the lease. Their answer, "You can turn in the car and within 90 days we will bill you for the full remaining value of the lease." Nice empathy from GM. Warning to others if in the same circumstance get the commitment in writing.

I have been with GM for over 5 years. They go out of their way to work with you if you run into financial difficulties - all you need to do is reach out and keep in touch. I was confused as to why there were some negative comments on here as I have found them to be more than accommodating and willingness to work with you! The key is that YOU need to reach out when there is a potential problem. Their customer service representatives are TOP NOTCH! I highly recommend this company!

Horrible company!!! Let this company know I only work 10 hours due to the pandemic!!! This evil company came and repossessed the car so my children do not have a way to get food!!! If you’re smart stay away from this horrible horrendous company!!!

I recently financed my truck with MODE - a division of GM Financial. I paid over $600 for registration fees. When I went to the town clerk in late January to finalize the registration process, only $2.00 was sent from the title company to cover the registration fees. I had to pay out of pocket to finalize the registration. I have been trying for almost a month to receive a refund for the overpayment. Multiple emails have gone unanswered. Whenever I called to speak with the service manager, she was either in a meeting or not in the building. Promises to return my call by day's end never occur.

My wife and I took a mortgage through Rocket Mortgage on her house to consolidate her bills. At the time she was leasing a 2019 GMC Acadia from GM Financial. Rocket Mortgage said we should purchase the vehicle and roll the price into the mortgage. We did so. Rocket Mortgage sent the check to my wife so she could forward it to GM Financial. She forwarded the $33,730.17 check to GM Financial. To date, GM Financial has not provided us with a Title to the Vehicle and we are unable to register the Vehicle in her name. The registration on the Vehicle expired the last day of November 2020 so the Vehicle has sat in the garage, undrivable since then.

I had an autopay for paying the monthly fees. For some reason it ended on November and didn't pay the December. When I noticed this in January 7th, there were late fees accrued in the account. I tried to call the customer service, but got the obnoxious prompt of communicating through text message for over 18 minutes. Finally I gave up and chose this option. I sent a text message, only to receive a response in the next day from Danya requesting me to fill a secure verification form. When I clicked on the link my phone line immediately went into a lock and it stopped calling (dropping from half a ring) and not allowed to send any text message. Then Danya considered that she solved my concern and moved on.

GO THROUGH ANOTHER LENDER!!!! They will duck and dodge your attempts to workout covid relief, then without notice charge off your account leaving you and your family screwed, Our account rep in LATE March of 2020 told me to pay $1,721.00 and fill out a deferment, He told me payments would be deferred.... Mysteriously I never received the email with the paperwork but they sure took the money, Despite numerous attempts to call, live chat, you couldn't even call at one point in time. The rep EVEN CALLED US FROM HIS CELL!!!. YET they claim it was still never received, THIS WENT ON THROUGH APRIL AND MAY, THEN....28 days later, Suddenly we get a credit notification the account was CHARGED OFF....

This review is about the dealership I had to deal with AND GM Financial themselves: I bought my first vehicle from GM Financial. (I leased with a different company up until 2017 but I wanted to buy and GM had a new year sale going on.) Went in with my then husband, we decided after a test driving to get the 2017 Chevy Trax.

Be careful with this business. Statements are not sent out in a timely manner. Impossible to meet due date if receiving your bill in the mail. $35 late fee charge. Bill received on the 7th. Due on the 15th. Check sent on the 7th. They don't process the payment for several days after receiving it. I'm spitting mad right now. Would not credit me the $35 late fee I paid online. I'm pissed. Never paid a late fee in my life.

At least a vehicle with GM financial after making all payments on time I turn my lease in and leased a vehicle with a different company GM financial never reported to the credit bureau that my lease was turned in paid in full and closed. So nine months later I checked my credit bureau to see if there was any discrepancies GM financial never reported to the credit bureau or closed the account and showed a past due balance which was not their word of advice. Stay away from GM Financial.

I am in my 60's and haven't had a ding on my credit report in over 30 years, that is until GM Financial. A 2017 Buick Enclave lease was up and I leased another Buick 2020 Enclave. The 2017 had been on auto pay and I was reassured that this new vehicle would be paid for out of the same account in Sept. I had also signed up for email alerts for delinquent accounts.

Longer than hold wait time, expected, but the representative I got Carolina who was knowledgeable and helpful. Just needed confirmation of signing up for auto pay and she was present and ingagueged. With the strain our online customer support agents are in she was a breath of fresh air as busy as she was you could tell she was smiling through her voice. Thanks Carolina!

The worst experience ever. I have been trying to receive a reimbursement for over three months and there’s always some excuse as to why I still have yet to receive my reimbursement. I keep getting the runaround as to first my address got put in wrong by their company though it was written correctly and then it’s time it Has to be reviewed for something that has already been told me has been approved and every time I call I get told 1 to 2 more weeks, 1 to 2 more weeks. The supervisor is useless and did nothing more than give me the same information that the "financial advisor" gives to you. Very repetitive and clueless and nothing has yet to be resolved. I am furious, this should not take this long.

I purchase a 2018 Dodge Journey. My loan was through GM Financial. I lost my job due to Covid19. I had called GM Financial several times to make arrangements or defer payments. Yes, I was behind now and they came and repossessed the car. Even though I was still making payments. I just couldn't get caught back up. They saw that I was still making payments. They still came and got the car.

Absolute worst company I have even dealt with in my life, and I see that I am not alone. Their customer service is a joke, good luck trying to get any documents you need or ahold of anyone. They also hold stuff on your credit report forever. Be cautious!!! I hope no one ever has to deal with them. They aren’t compliant with your requests. I hope to see them shut down or ran by someone who actually knows how to run a large corporation.

I had leased GM Equinox through GM financial and always made all my payments on time including disposition fees. After few months I found additional charges on my lease account. When I inquired about the charges there's no explanation. Later I found out that they had reported to credit bureau about late payment without even resolving my query. It impacted my credit score even though I was at no fault. I got so frustrated that I decided to make the payment without getting any explanation till date. Their phone representative are extremely rude and unprofessional. They take their valuable customer for granted. I hope somebody from GM Financial management is reading this review and taking some action.

I have been purchasing Chevys since the late 1950s. And may I add have always had EXCELLENT credit. After my second lease with a GM 2017 Chevy Impala I looked around for another 2020 impala to lease. Deals were very poor at that time in April 2020 so I proceeded to lease a new Chrysler Jeep. I tried to return the Chevy to a few GM dealers but was turned away, I was told if I did not purchase or lease a GM product they would not take the Chevy back. GM financial should have all the notes in its files from my chats with the people that called me. The Chrysler dealer took the Chevy and said they would get it returned.

Leased a Buick Enclave, at end of lease was told it had to be inspected by Autovin. During the inspection I was told it was missing the owners manual and we owe $25. However the only manual we received when we got the car was a Buick equipment manual. Told that to the inspector, didn't care. Told that to the dealer, didn't care. Told that to GM, didn't care. So now I am out $25 for something I never got in the first place.

I have been a great customer to GM products over the years having spent well over 100k in 3 years alone. When the pandemic decimated my business, the one single thing that engaged me so harsh was dealing with GM Financial while all my other personal and business creditors were working with me. GM financial had a hard time to give any forbearance whatsoever but instead called me zillion times to check if I am still in need of forbearance. My credit score have always been maintained above 750 with no history of late payments, repossessions or any derogatory remarks. I protected my score religiously. They became the first company to ding my score by reporting my account late while we were negotiating on forbearance.

GM Financial upgraded its payment system in the summer of 2020 and broke my auto-payment configuration. Without notifying me, my payment passed unpaid one month. This resulted in my credit score being lowered. The company refused to take responsibility and fix the problem they caused. Their phone representatives transferred me around for over an hour, and only repeated their company talking points.

If it was possible to give "no stars," I would! This company has made it a point to consistently report incorrectly to the credit bureaus and not offer any tangible relief options. They have thousands of unprofessional and rude representatives who do not strive to provide an excellent experience, they instead pass you along to 8 different representatives who offer no apology and no help. I'm so disappointed and shocked that these type of practices are even allowed and there are no system of checks and balances.

My wife has a 2019 Chevy Trax through GM Financial. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to Covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of August. It finally came on the last day of the due date, which was August 26th and we made the payment. GM Financial said that they see it was made on the 26th but didn't process until the 27th. I have talked to half a dozen people at GM financial and they will not help by reporting this to the credit bureaus.

I have been a faithful customer of GM since 1999. The very last car that at least I returned, I never received a bill. They said they sent it to my old address, even though I have forwarded all mail. And I receive all mail from other companies, that went to my old address. By the time that I paid the bill, I was one day delinquent. I asked to have that late charge removed from my credit report. I was told since it was not a GM error, they would not do this.

Took over my brother in law lease since he became blind. I previously leased Gm vehicles and there was no disposal fee. Would have purchased the vehicle but it wasn’t worth what they wanted. I receive a bill for the $400 monthly. Don’t plan to pay. I am 82 years old. Pay cash for everything.

I turned my car in on June 26, 2020 and still do not have a final bill. They said they mailed one on 8/4/20 and my account is past due. How is this, I never even received a bill. I have called three times requesting a final bill. Each time I get it was mailed out on 8/4. Well then send another. I asked for it to be emailed to me or uploaded to my account so I can view the final bill. I need to know what I am paying for. They told me, "We do not email final bills or upload to accounts. They are only mailed out." Seriously! Why wouldn't they send it through email? This way they would have a record that it was truly sent. Now they are telling me they will not remove the past due on my account but will not give me a bill. I am tired of this.

I recently lost my job and my family is struggling financially right now during this pandemic. We were able to pay the final few payments on the Lease to then find out that we needed to pay the disposition fee since we did not release a vehicle. I don't have a job, how could I release a vehicle? In these tough times GM should have waived that fee. Since our family is struggling, we now have to pay a large fee since I lost my job and could not release? Isn't that like rubbing salt in the wound? Also, we gave the vehicle back with 12,000 miles under the lease agreement. Shouldn't that mean something? I know GM would have charged us if we went over the mileage but apparently you ignore the low mileage when it is in your favor.

Used the car for 22K miles only, return by the end of the lease term in excellent condition. They charged me $700 to replace all tires in top of the $600 deposition fees!!! I had the car serviced few weeks ago and Tires were fine!!!

I have been with the GM Financial family for many years. At present I have a 2017 Camaro, and a 2018 Traverse. In 2017 my nephew asked me to cosign for a GM, and I did so. I made sure his lease payments were always paid, and GM sent me a letter if he was late. Unfortunately, when he returned the car there was some damage that I was unaware of. Around 1000.00. Well I was not notified, and this went by the 30 day mark. Of course when I was made aware, I paid it off. But it was too late. GM reported it, My credit score dropped over 500 points. I called and begged GM for a release as in 20 years I had never been late a payment.

I was with GM FINANCIAL since March of 2017. Was amazed how flexible they were being due to my medical background. Although, once the COVID-19 hit and drastically affected the world. I assumed with so much trust that GM FINANCIAL would be a stand up company for the customers while going through the suffering times of the coronavirus, but they did not. Yes, I had a history of missing payments due to medical reasons, which GM FINANCIAL was well aware if, but I ALWAYS brought my account current. No longer than 2 months at most. With my medical reasons and COVID, it pushed my account over 2 months late. Preston, customer service representative, mentioned an 8mos courtesy extension that GM FINANCIAL does not have to give to customers. I asked about the courtesy extensions for customers during this PANDEMIC that the world is being affected by. Preston transferred me to Dana ** (Supervisor).

I have had a lease with GM since 2005. I recently finished my last lease and was still trying to decide what vehicle to get. I have an extra vehicle and did not need it right away. Once I made my last payment I got hot with wear and tear for a vehicle that was in pristine shape. I had driven it 10,000 less than the lease agreement. In addition I got hit with a disposition fee. This means I turned my car in and we need to pick it up and clean it. Then we need to sell it so you have to pay. A total scam especially in the midst of a pandemic you would think they would not allow you to incur additional fees after 15 years of perfect pay. In any case do not sign any documents making you responsible for the things they need to do anyway! I will detract from GM as much as I can. Making me even angrier knowing we bailed them out and my tax dollars went to these scam artists. Never again will I lease or buy from GM!!!

After leasing a car financed through GM Financial, I was charged $1555 in extra fees! After a 3 year lease, I returned the car with $13,000 UNUSED miles. I was charged for the slightest scratch, smudge, normal tire wear, a mark on the tire rims. I was so shocked by the extra fees that I called GM. I was basically told that with a lease, nothing at all can be different with the car once it’s returned, not even normal wear and tear. I guess I should have parked the car in my garage and paid for not using the car for the 3 year term. I am so angry and I feel like GM is a very dishonest company. Do not finance through this company.

Leased my new car in November. It's July and they still cannot manage to spell my name correctly on my account. They first wanted me to submit a name change request, I had to explain that my name had not changed, but they had entered it incorrectly in their system. Now they've managed to update their website in 'myaccount', but not mail, email, or when they debit the payment from my bank account. Beyond frustrating. Not to mention the amount of time I have to waste to actually get through to a person to try to have it addressed, again.

After 37 years of perfect payment history dating back when they were GMAC, they failed to send a duplicate copy of a monthly statement, thus ruining my PERFECT RECORD. I tried 3 supervisors, who were not only rude, but extremely condescending, and certainly not any help whatsoever! We finally called GM HQ in Detroit, who apologized for their total lack of consideration, and said that they had resolved our issues. Further, we were advised by Customer Care that any other fees would not apply to our lease-end turn-in at local Chevy Dealer in Tampa. However, GM Leasing Dept. claims they never got the information and we were liable for $441.69 "disposition fee". We were never told about this ridiculous charge, and our lease copy that supposedly showed it was conveniently obscured.

I made a payment on website. Despite receiving an conformation email the website didn't indicate a payment was processing. 2 days later I get an email telling me my payment is past due. Since the first payment was not pending from my bank I made a second payment. The website then indicated a payment was processing. The next day, today, both payments were taken out of my account. Now I'm being told it will be 15-30days to get refund. That is 30 days of collecting interest on my money before returning it. This is immoral and a terrible business practice!!!! GIVE ME MY MONEY BACK!!!!

This company is aware of the hardships that many families are facing during the Coronavirus pandemic. However, they still reported my payment as late to the credit bureau, causing a huge decrease in my credit score. I was 31 days past due with a payment scheduled to come out of my account on the 31st day, and the payment was actually pending, and they still reported me as late.

GM Financial just dinged my perfect credit and cost me 101 points. I work so hard to keep my credit history perfect and am furious. I turned in my GMC lease return 2 months early to the local dealer. Paid the remaining months per their instructions and assumed I was done. In March I got a letter saying I had not turned in my car yet and needed to pay another month. Two days later another letter saying they did have it and all was good.

Customer service is an all time low. My auto pay canceled without any notification. Somehow, it defaulted to 24 months when the tenure of my lease/loan was 39 months. Once auto pay expired (not to my knowledge) instead of me defaulting on a payment, they used a large property tax payment I made months prior and applied this balance to my account. When this balance expired 5 months later, I was contacted about my "missed payment" which was a big surprise to me. After the customer service agent could not help, I ended up making a $2,500 payment to cover the missed payment and the property taxes I had already paid!

GM Financial held my payment and processed late causing credit trouble. I was just able to make payment on time due to covid-19 and they due to slow processing reported me 31 days late. I had actually paid my loan payments ahead but this month due to being laid off I was just able to pay on time. It's a consumer scam and they only care about their stock prices. Not their customers. I have been a 30 year customer of GM and will buy a different car because of their reckless neglect.

I purchased a 2017 Chevy Cruze 6 weeks before my 3 year lease was due to expire. A month later I received a bill for excessive mileage plus assorted fees. I contacted the number associated with the bill and was told it was a mistake and to disregard it. 3 days ago someone from GM Financial called me with a new bill and price, almost $600, claiming I owed. They would not answer my questions, only stating I officially turned in this car, then the dealership sold it to me, therefore I owe the excessive mileage. No response when I asked why didn't they charge me excessive wear also. No response when I told them their contract stated no charges if vehicle is purchased before the expiration of lease.

Worst company I've ever dealt with. Due to Covid 19 I was furloughed so I am late on April and May is now due. I spoke to them on numerous occasions letting them know I couldn't make payment and needed to know my options. I was only told they will make note and call me back in 2 weeks to see if I can now make payment. The website clearly says there's no need to even call. I was never offered a deferred payment option and they have now reported me to the 3 credit bureaus as 30 days late so my score has dropped unnecessarily. They reported no data for March and the payment was made. They reported no data for April and 30 days late for May. I was not given an option to defer or make any sort of payment arrangements. They are the ONLY creditor that is not willing to work with me at this time. I will NEVER do business with them again and won't recommend them to anyone. ALL customer services reps I spoke to were very rude.

To begin with, I have bought many GM vehicles in the past, although I normally use Navy Federal for financing. I usually buy pricier cars, in the last ten years I have bought 4 GM vehicles totaling $233,000 (including my current Cadillac V series) and 13 vehicles total. Due to a massive financial hit I took due to COVID, I was unable to make a payment on time, but I always pay within 30 days, and I will be able to be caught up within 3-4 months. Their website says that if you make it within 30 days you do not need to contact them. Long story short, they call me about 5 times a day, and when I answer they are rude and unhelpful. I explained my situation and they don't care, they just act rude, say they'll make a note, and continue to call me five times a day.

I recently leased a vehicle from GM Financial. The customer service during COVID-19 was disappointing. Upon returning the vehicle, we were charged extra fees, despite turning in the vehicle with over 500 miles left. We attempted to turn in the vehicle to the dealership we leased from, however, they were closed. We contacted GM Financial and were told we needed to find a dealer, on our own, willing to accept the vehicle or we would be charged for an additional month. We eventually found a dealership over 30 miles from the location we leased the vehicle from. Due to the inconvenience from the dealership and GM Financial informing us it was not their problem, we had to pay an additional month of insurance. A month after we turn in the vehicle, we receive an invoice for close to $450.

My wife bought a Chrysler 200 in Texas, but we have to move to NYC, we talk to them to make easier the process to register the car in DMV, so they suppose to send a title or something that we could use to be able to drive in NYC. After several month we wait for the document and every time we call they had another excuse. We have to put the car on a parking lot because we couldn't get the New York plates, few months later wife lost her job so we call them to ask them what we can do, because the payments of the car and the parking lot was too much to us. They never respond. Until today that we called because we need to figure it out what we are gonna do. And the only solution was that is not able to send us a title or something similar to present in the DMV (something different of what they told us before) and the only solution was to surrender the car, paid a year of parking lot and wait the new monthly payments. That is not fair.

My initial complaint would be at the expense of the dealer. They were dishonest during the sales process and got a high interest rate past me. They verbally told me 1.9%, when it WAS 7%!! They tell you the details, then have you sign away on a small tablet as they verbally dictate what you're signing. I will never allow the process to happen that way again and feel foolish for allowing it then. Next complaint is their payment processing set up. I paid the car off in full in early April of 2020. I had my payments set up to be auto-drafted on the 25th of each month. After paying the car of IN FULL on 4/7/2020, I logged in BEFORE 4/15/2020 to ensure the auto-draft was turned off. The account said "paid in full" online, and no NO OPTION to turn off auto-draft. Come 5/5/2020, they pulled a payment out of my account. Not only was it 10 days past when they usually drafted, but they were drafting it to pay against a closed account.

I lease a Terrain 2016 for 3 years, I didn't like the car at all. It looks big but inside was small, I felt inside of a box, the back seat barely gets a/c. My new born at that time was always crying from the heat. On top of that I send them the acquisition fee payment, they said never received and send me to collection. They cleared the check and stated I didn't write down my account information. I had sent them the proof of the cleared check but still nothing has been solve. I also would like to informed, I enrolled for autopay and at the end of my lease they automatically deactivated the payment so I was late for my payment. Once again they reported to the credit bureau for late payment they caused.

The GM Financial Lease Assumption Department has not been functioning. This is making it extremely difficult to transfer the lease to a new buyer. It is unfortunate that GM dealers are happily leasing new cars but GM Financial refuses to service its customers fully. Customers are in lease contracts and GM continues to make money without providing service. Millions are without jobs now and will not be able to afford payments. This puts their credit scores at risk too when they cant sell the leases to others. GM continues to sell new lease cars but does not service existing customers.

I returned my 2016 Chevy Volt to local Irvine GM and the person walked around car and took notes, inspected all inside, outside everywhere. Once complete a month later I get an invoice for $500 extra tear and wear. It seems like the car had a small scratch after my release of the car to dealer. Now no one wants to take responsibility and I lost close to $500 for no reason!! WATCH OUT, THEY ARE NOT TRUSTWORTHY PEOPLE AND COMPANY!!

This company is a bunch of shisters who prey on people by the fine print of their contracts. I just returned a GMC Terrain I leased thru GM Financial on 3/17/2020. Within days I received a bill from them for $529 and charge for disposition fees and "Official fees". My lease payment was never late, car was perfect when returned, and no damage. When I called GM Financial today to discuss this all I could get from them was "It is part of the contract". Well this should be highlighted so people know they are being railroaded by this company. I feel I did my part by paying the lease payments as agreed on time. Disposition fees (if any) are the owner's responsibility, I don't own it. They say these fees can be dismissed, but they won't. Anyone leasing a GM vehicle, "GO TO A REPUTABLE LEASE COMPANY", so you also are not taken advantage of.

I called in to Gm to request a pay off quote because I was refinancing my auto loan and requested that the pay off letter be faxed to Langley Federal credit Union. It was fruitless. I spoke with a manager. Informed him of what I wanted. He did get it done. I had so much trouble. I was hung up on. You could hear children in the background. I called them about 7 times trying to get a pay off letter with the daily ingress rate as well as the address to send the check. Check was sent overnight from Langley Federal credit Union then Gm states well we don’t have. Mind you my payment was due the 7 of April. I paid it April 2, 2020 and the bank sent them a check paying off the loan in the amount of 19,240.90 cent then Toyota who handles gap refused to refund me 547.00 which I am entitled to because I waited until the loan was paid off.

Very courteous agents, ineffective business processes. I leased a Chevy Volt and purchased excess wear insurance. (Don't ever lease from GM without it!!!! They tell you normal wear is not charged but at the end of the lease it is a doosie). Every payment was on time, you would think they would try to get me as a repeat customer. The end of lease process was a horrible experience. They kept requesting payment for "excess wear" even though I had purchased the excess wear insurance for $1000 and it covered 5x what the excess wear was estimated by Autovin to be.

During the covid-19 pandemic, I’ve made $300 in an ENTIRE month. My car payment ALONE is $391. They’re only giving 30 days to pay it & THEY'RE STILL ADDING INTEREST PENALTIES. I refuse to be a customer.

I have contacted GM Financial because my Doctors have put me on Quarantine due to my health. Asked GM for help with payments, and they said No -because I lease my new Canyon. Call Collections. SHAME ON GM????

We were in the 1st year of our 2nd 3 year lease with GM. My car was totaled 4 days after we made the scheduled payment. We leased another GM within 1 week of the accident. We made our 1st payment when we picked up the new car. We called GM to ask about getting a rebate on our totaled car, and were told policy states, NO REFUNDS????

I would give a ZERO if I could... I had my lease on auto-pay and it was somehow turned off and they reported to the credit bureaus without notifying me after two years of paying on time. My credit score was impacted significantly. I called and they said that they had to report it, it's against the law not to even though it was not my fault. I let that one slide. Turned my auto-pay back on. Fast forward to end of lease.

I refinanced my truck over a month ago. Deleted all my autopay so the next payment wouldnt be pulled. It got pulled. After talking to my bank they said I would have to talk to GM Financial about it. It took them from the 2nd of the month to the 24th to finally send a check. Had my address updated for the last 2 years and after calling 3 times to see if they had mailed it they told me it had been sent to my previous address that has nothing to do with my account on the truck. It's been over a month. Now they tell me they have to cancel the check which will take 3 to 5 business days and mail another one out that could take 2 to 3 weeks. I asked since they drew the money from my account if they could just refund it back to the account and said it doesnt work that way. If I was to ever send a late payment sure I would get hit with a late fee but when they have their money they take their sweet time. Very very frustrating and will never ever deal with them again.

I made the mistake of leasing a 2016 Chevy Traverse with GM Financial. During the lease it was mostly ok (with a few hiccups with statements/amount due as shown in app & website..ALWAYS 3 different numbers). But the nightmare started when it came time to turn in the lease. I paid off what the website told me was due a couple months early because I had the available money and wanted to put away some $. Got a notice stating I was past due about 45 days later telling me I owed another $300+. I looked in their app and it said I owed $500+ and my statement said even more. I called and emailed in trying to get an aged trial balance showing all charges and payments made historically on my account so I could match it up with my records (I am an auditor- this is literally what I do for a living). Despite asking multiple times this information was never provided. Instead they finally gave me a final amount due, which I paid immediately.

GM Financial without my authorization cancelled my automatic payments and failed to notify me. The only way I found out was through my credit score monitoring program. My credit score went from 805 to 725 because it showed that I was delinquent in my GM Financial payments. I have NEVER missed a payment with them or with anyone in fact - which is how I maintained an almost PERFECT credit score. I leased 3 Cadillacs with GM Financial. Customer service showed no remorse or apology when I called twice. I am due for another Cadillac in May 2020, and if they cannot offer me another financing service, I will have to switch cars. I would NEVER use GM Financial again. I'm devastated at this outcome.

I leased a GMC truck for 39 months. Never missed a monthly payment or a scheduled dealership maintenance. I returned the vehicle in with very low mileage and in like new condition. No scratches, No dents, etc.. Three months pass by and I receive -25% credit report rating reduction because GM Financial filed a credit report that I didn't pay their releasing extortion money of $572. I was NEVER notified in any way! Once I saw my credit report rating, I logged into my GMFinancial leasing account and it showed ZERO balance. I called and waited an hour for support. GMfinancial support was horrible, she demanded that I pay their extortion money. I have NEVER been treated like this from ANY financial company. HORRID experience.... GM if you reading this, You LOST a 30 year loyal customer. I've purchased 21 brand new GM vehicles in my lifetime. I will never EVER buy another GM vehicle or finance with GMFinancial again.

In November 2016 I go to a dealership to see about maybe trading my jeep in on a larger vehicle to fit the family. Well we do a deal signing to different contracts over the month. Well month goes by the financial company where I had my jeep financed through calls me. I'm late on a payment on the jeep. Wait what in my deal with Russell Barnett ram Chrysler of TN the jeep was to be paid off no. They send a check that resealed the title to them. Don't know how that worked but left me with 2500 ish on the jeep owed. I call gm financial for 1 reason I've not reserved nothing on this 09 ram truck in a month well drive out tag was already expired and finding out about the jeep. Well gm financial has no record of me nothing. So I call the dealership I'm working on this right now he tells me. I say, "No. Stop. I do not want this deal." He says too late. But I had done called gm financial told them full name ssn all and not to do any deals for me I was out.

Do NOT lease with GM Financial unless you want big $$$ due upon return of the lease. Not only do they charge a $495 disposition fee (stated upon signing of the original lease) but they will charge you for every ding and dent no matter the size. I returned that car 95% perfect and they still charged me $584 for a "ding"! There is no one to discuss their review with either. I feel robbed and will NEVER lease a Buick again.

In May of 2016 I leased a Chevy Cruze from Stevinson Chevrolet in Golden, CO. All my lease payments were made on time, and I actually turned the vehicle in on April 12, 2019 (almost a month early) with approximately 26,000 miles. A few days before turning the vehicle in I visited to dealership to inquire about having the vehicle inspected and turning in the vehicle. I spoke with the Sales Manager who checked the mileage and briefly inspected the vehicle stated that it was in good condition and didn't think there should be any additional charges. Unfortunately, that turned out not to be the case. After I turned the vehicle in GM has a 3rd party go over the vehicle with a fine tooth comb and look for anything and everything they can possible charge the customer for.

So I just finished paying off a 6 year car loan from GM Financial. I paid back 42000 on a 31000 loan. NOT ONE late payment. Not one that whole time. So when it came to buy a new car, dealership looked at them again and I was rejected with a 620 Credit score. Yes it's NOT great but I had a 6 year relationship that I was impeccable on. Now I have a hard inquiry and serious distaste for this company that only saw me as a number and not a valued customer. Do NOT do business with such a place.

We leased a GMC Sierra and at the end of the lease decided to buy it out via our credit union. We tried on 5 occasions over a 6 week period to get accurate buyout information from GM to no avail. We finally got the information after several weeks of inquiries. In the meantime we lost a locked in rate with the bank due to the passing of time, GM collections was calling saying we need to make a payment??? All we were trying to do was buy the truck. It was terrible. And now it has also lowered our credit score. My husband will not purchase or lease via GM again. We have done this previously via Audi and Ford with ease.

My husband had a lease with GM Financial for 3 years. He turned the vehicle into the dealership where he initially made the transaction and then receives a bill with damages that were not on the vehicle at the time of the return. In addition the the damages they are trying to attach late fees. There were times the vehicle was paid late but according to the portal to pay all but the last payment were caught up. The payment portal never indicated any additional fees. But now after they shut down the access to the portal, as a customer you can no longer see your payment history or any details to substantiate this claim. The customer service representatives are all rude and insulting and we will never again do business with them. *** BEWARE. GM FINANCIAL IS A HORRIBLE FINANCE COMPANY WITH HORRIBLE REPRESENTATIVES.

My last 4 vehicles have been GM vehicles over the last dozen years. I had 2 GMC Acadias followed by 2 Cadillac CTS. All of the vehicles were leased. When I was preparing to turn in my last CTS, GM sent a representative to observe the vehicle. The individual noted the items that we agreed on. When receiving the final invoice GM included a charge for not having the Owners Manual. Their representative noted the manual was in the vehicle. When I turned in the vehicle at the dealer, the dealer also noted the manual in the vehicle. When I phoned customer service I was advised that the charge remains unless I could provide a letter from the dealer on their letterhead that the manual was in the vehicle. I contacted the dealer and provided that exact document to GM and did not hear back.

GM Financial didn’t properly and timely set up my new auto lease, which resulted in me receiving my monthly statement very late. This caused one payment to be late, which they reported to the credit bureaus. This was my first late payment in over 25 years, causing my credit score to drop from 850 to 730. I have not been able to get it corrected despite many attempt. Their customer service is dismal. I have given up and just made an entry into my credit reports that it was their error. After many years of buying GM products, I will never buy another.

Never lease a car from GM unless you plan to be stuck leasing with them forever! They are thieves. They also make it impossible for any other dealer to want to purchase your car by making up some random number that your car is worth.

It took 6 phone calls (half of which I was disconnected or transferred to a fax machine) to close out my end of lease invoice. I was billed for a disposition fee (which I was told I would not be since I leased a new GM, but jokes on me for believing a word any GM employee says). I had to jump through hoops to prove I didn't have to pay. Between incompetent GM employees and miles of red tape the whole process was a nightmare. Unfortunately I just started a new GM lease, but this is for sure my last one. Was also told at the dealership I would get a disconnect on mile-overage....again jokes on me for believing a word GM says...

Make sure you ask lots of questions. I turned in my lease 8,000 miles under the lease agreement and the car was well taken care of. No damage. Still got a bill for $395 and they will not waive it because I didn’t buy another new car or lease one from them. At no point was this explained I would have a bill. Or in any of the letters I was getting 1-2 a month for the last year about my lease coming to an end. They have blocked me on Facebook because I was warning people to have buyer beware or use anyone else. Had other leases and never had a fee for turning in my car before. Will never use these guys again. Lost a customer for life over $400 and they do not care.

I leased a car through GM Financial which was returned at the end of the lease in March 2018. I then leased another car through GM Financial. One year later January 2019 I received a bill from them for 499.00 in 2018 taxes for the first car. I contacted them and explained I only had the car for 3 months and to send me a new tax bill. I was told this will take up to 8 weeks for them to hear back from my city tax office at which time I will receive a new bill. ONE YEAR later, after calling every month and being told this will be taken care of I am NOW told that because GM paid the taxes for the full year, even though I no longer had the car, lease was closed when I got my new car lease, I am to pay those taxes to them and then I am supposed to dispute this with my tax office.

Probably the worst financial institution I've ever dealt with. I've had better monetary transactions on a FOB in Afghanistan. Definitely getting my loan away from them as quick as possible. Unpersonable, unkind, and definitely doesn't "try hard" for their military as they claim so profusely.

Really disappointed with how a 15 year loyal GMC lease person still gets charge for a turn in fee. I have had the same terrain leased over and over again for 15 years. 2 years ago took on a second lease through gmc and last December took a third vehicle lease on with gmc. For my son who is in the army. I had to return one lease this December which I made all payments on. And was charged for turn in fee. I would think that loyalty would account for something especially with two other vehicle on with them. But sounds like this didn’t matter to customer service and they are only looking more money. You can believe that when the next two cars come up they will not be through gmc.

We have used GM Financial a few times. the last time we knew we would owe a bit for going over miles on a turned In lease and possibly a couple payments for turning it in early. We turned the truck in with brand new tires and cleaned out in great shape and received a bill of over double what we anticipated. We called and inquired and they told Us we put the wrong size tire on the truck and charged us more than 100 dollars More a tire than the the gm dealer charges. They gave us 30 days to come up with 2600 hundred dollars. We offered to settle because we didn’t agree they were the wrong size, or we would pay the full amount if they returned the tires they said were trash.

All was well while I leased my car with GM Financial, but then I decided to buy a different car and not to renew a lease so there was a penalty fee, which was fine. I received the letter in the mail on 12/11 and it was dated for 12/2 for the payment due date of 12/23. All fine and dandy. I forgot to pay it with it being the holidays, so 5 days past due I get a credit alert that they sent the amount unpaid to collections stating it was 30 days past due!! 5 days past due...really?!

I acquired my first lease, 2017 Traverse, in August of 2016. I was mildly satisfied until I discovered that after filing for bankruptcy in Oct 2018, and reaffirming my lease, GM Financial stopped reporting my payments for 14 months. This has now prevented me from obtaining an affordable new lease. My credit score and interest rate had been greatly and negatively affected by this. I am not happy.

Two stars instead of one because GM Financial did work with me at times over the course of my loan, letting me defer payments when I've had more nightmare life situations than I can count over the course of this loan, including divorce, losing my home, a major health crisis and the death of a child. They also benefit from all the extra interest and fees they charge, so they aren't saints.

Leased a GM car with GM Financial and the car was due back in August 2019 and was turned in way before the due date and just now receiving a bill in the mail after they sent it to a wrong invalid address and to top it off they reported it the credit bureau! And don’t lease from them because they add a Ridiculous disposition fee that they never tell you about and it’s way more than a average car payment!!

I am literally crying tears because I'm leaving GM Financial. They have been so good to me and working out whatever money issues with my payments, and for that I love and will miss them. I've been with gm financial 4 years.

Paid off my loan and found out GM still wanted extra money for interest. They were unwilling to work with me or willing to waive the $34 charge. I paid off early and was never late on a payment. I will never recommend GM Financial to anyone. Poor customer service.

I did my 1st leased vehicle with GM Financial. It's was a 2 year lease which I turned then 3 weeks early. I was allowed 20000 miles for the 2 years total, I put 7931 miles on it and turned to then in perfect condition. I made all my payments on time. At the end of lease I was given a $417 7 sent bill. I called and asked why, they said because I did not re lease another GM vehicle it was a penalty. I asked why I was never informed of such. They said it was in small print on the contract and I should have read it before I signed it. I will never lease another vehicle with GM financial again. I will never do any business with GM financial again.

What a freaking joke of company. I bought out a leased vehicle on 10/3/2019. Full payoff made. I received two checks in the mail on 11/4. One for $287.42 and one for $38.50 for overpayment. I did a deposit at the ATM of $341 on 11/5/2019. On 11/14 GM puts a stop payment on the check for $287.42…. ummm…. How is that possible? Now my account has been debited $293.00.

I am very disappointed with the interactions that I have had with GM Financial. The reps that I have encountered have been rude, not helpful and have not assisted me in any way. Pretty disappointed! I have made several calls and all I need is a letter from them to the Gap Claims company that they will not cancel any warranties or contracts that we had for a vehicle that was totalled in July. They keep giving me the run around, I don't understand how a large company cannot send a letter stating that they will not cancel. All they keep saying is it's in the contract. Well I know it's in the contract, but obviously because of the way it is worded, the Claim company needs this letter. I am at my wits' end and don't know what else to do.

I would have written a good review right up until I paid off the loan. I had set it up on their website, got my payoff from there, drafted the money from my account to pay it off. They marked it paid in full, then account closed. Unfortunately, 7 days after that they drafted an additional payment from my account. The first person I spoke with told me the check refunding my money was already in the mail as of the same day it was drafted. Didn't get it. The second person I talked to said the check would not be sent until a month after it was drafted, and it was my fault for not stopping the draft...? Why would they draft a payment for a closed account? Regardless, now that it happened, why did it take so long to get my money back to me? How long? I don't know as we haven't gotten to that extra month and I don't have my money back yet. I have to scramble on my own to figure out what was supposed to be paid from that almost $700.

After GM stopped my automatic payments they sent no emails. They finally started calling but their message doesn’t state who they are and it seems like a spam call. They repossessed my lease with 6 months left. One customer service member suggested I let them sell it and they would send me a bill. I said no and paid the missed payments. They have listed it as account closed falsely on my credit report. I had beacon credit before this. They did all they could to destroy my credit plus the 600.00 in fees they took. They are a disgrace and I will never have anything to do with them again. This is a horrible company. They even told me my payments were 365.00 even tho they should have been 3.00 more. They are vicious, cold, callous people who run gm financial.

I have bought GM vehicles for the last 30 yrs. But after this last experience I am going to Ford. I lease a truck in 2016. Turned it in with 2000 miles under my agreed mileage and they charged me an extra $237.00 for a new tire because it was 1/32 under their standard. First off what are they going to do with the money! Put a new tire on the vehicle, hell no. They are going to take it to an auction and the dealership that buys it is going to put four new tires and GM is going to stuff the $237 in their pocket. It makes absolutely no sense, just another way to stuff their coffers. We bailed them out and then they close down one a plant and tell the people of Lordstown too bad so sad. Then we have the customer service that is like talking to a robot, I could go on but I have spent all the time I am willing to spend. Wake up America, I did. I am going to Ford.

Went into a payment plan to pay off remaining lease payments after turning in vehicle early. On 10/3 a call to GM - where I went into an agreement to pay 363.00 month for the next 5 months to payoff balance. I was told to make sure I pay this amount on time every month. Because of the warning, I made my first payment EARLY to GM in Oct even though the 1st agreed upon payment was due 11/3. I then made a second payment to GM that CLEARED my back by 11/4- BUT even though I paid over $726.00 within 31 days of agreement, GM decided to report my 2nd payment as a late payment to ALL 3 credit bureaus instead and TANK my credit for the holidays!

Zero...Zero stars. Be careful, watch out, look out. Be aware with GM Financial leasing, choose another company. This financial company is dishonest and hide for its customers fees like disposition fee. They are extortionist, check the reviews before do any kind of business with them.

STAY AWAY FROM THEIR SCAMS - I recently finished my 3 year lease with GM for a Chevy Trax and I tried to get into another GM vehicle but the incentives were not as enticing as when I originally got the deal with them. I decided to go with Nissan Financial and as part of the new deal, Nissan offers to pay all remaining balances to GM so they can lock you up with the new leasing contract. GM Financial provided the final amount for the new company to pay but they messed up with the final amount. It turns that GM waits until they sell your previously leased car to determine how much more they can charge you and the small letters on the contract say that including a $395 disposition fee. So basically you are paying them to sell a car which you have been overpaying to lease for a period of three years.

This is a company that will charge you if you return the car with more than 10 miles on the odometer but will not do anything if you return the car with 7,000 less miles than what the contract allowed. Any other leases that I have been through, they waived the disposition fee when my car had a lot lower miles at the return than the contract allowed. I returned a Buick with 13,000 on the odometer while the contract allowed 20,000 miles and they refused to waive any of the fees unlike most of the other car financing companies. Either way, they have lost 2 GM accounts form my household and they will lose another one next year. SKIP GM. Get a car from a company that has logic and cares about its customers.

Leasee beware!!!! Be careful when leasing a vehicle through GM Financial. We had leased a 2016 Silverado and it was due back Sept 23rd. We purchased a 2019 Silverado in mid April and were billed the disposition fee because you only have 90 days to purchase around the time of the lease end for the fee to be waived. Nowhere does it state this and GM said they do not have that written anywhere. We called GM and a rep said we do not have to finance through GM to get the fee waived yet today another rep told me it does have to be financed through GM in order for it to be waived. They are full of lies and make stuff up as they go along. I would never ever if my life depended on it finance or lease through GM ever again. I would rather walk!

Please, guys, read the review first, I love to lease vehicles. I have had great experiences with Honda and Subaru. Buick shocked me with $1300 in fees when we turned the car in despite the fact that I pay. $750 of the total was for the Brand, Mismatched the tires. How were we supposed to use the extra miles we purchased without using the tires? The remainder of the fees were mysteriously labeled fees that had nothing to do with the condition of the car. I suspect that the real reason for these fees was that we didn't want to lease with GM again (the manager of the dealership told us he would make the fees go away if we leased again or purchased the car). GM has certainly lost us as a potential customer in the future.

My wife had leased 9 vehicles continuously with the same GM dealership since 1995. The only reason #10 wasn't also with GM was that the monthly cost of a Traverse nearly doubled over the course of two years. So, we get hit with a disposition fee of $395. Ok, fair enough, it was written into the contract. What is also fair, however, is that there are plenty of other auto manufacturers out there. Seems a shame for GM to lose a life-long customer over $395.

I recently purchased a 2018 Camaro new 6 months ago and after years of employment with a company here in Pensacola was let go and had no income for a few months, knowing my situation no currently working and am getting caught up on my payment and this company has been so understanding. It's nice to see this type of business in 2019. Good job GM Financial and thank you.

I am probably never goin to buy GM again. I have bee a loyal customer for years to have them turn around and ruin my credit and then tell me they can’t lease me another vehicle because my credit score dropped. They made a mistake and never took a payment out. So therefore my credit dropped 18 points. Not only is my credit in jeopardy but now I will not have a vehicle. What happens to loyalty! I will not let this go till I get results. I want back what they took from me! Very angry!

My Wife and I leased a new car. We were set up on auto pay. When GM started their new website, It stopped processing our payments. So my wife called to make a payment and restart the auto pay. Somehow the payment routing # did not get entered correctly but the website showed the payment as processed. After 30 days I received a notice from the credit bureau telling me I had a delinquency on my credit! It went down 90 points from excellent to fair because of this. I have not been over 30 days late on any payments for over 17 years. I talked to a GM rep and they told me they would not do anything about it and I should file a complaint with the credit bureau. Considering it was the new website that created the problem, I find it unacceptable that they would not do anything about it. Very disappointing. Be careful if you chose them for your financing.

GM Financial is the worst financial company I’ve ever used to a car lease/purchase. At the end of my lease they tacked on a “Disposition Fee” in order to “process over the car and sell it.” The only parameters that were given to waive the fee is you either buy a new GM vehicle or sign a new lease. I bought a Chevrolet Silverado in March with anticipations that I was going to be turning in my lease in September/ October (because I completed some advanced payments) and then they said they wouldn’t waive the fee because it wasn’t purchased within 90 days of the end of my lease. This is how GM appreciates loyal customers by gouging them left and right and changing their policies after contracts have been signed. I lost all respect for GM after this and will not be buying a GM vehicle nor using GM financial ever again.

Awful customer service. I've been dealing with Amar. He has been rude and condescending. Terribly unhelpful. I paid off my lease early and I feel like they're holding my money hostage. STEER CLEAR!

Leased a 2016 AWD Equinox. Turned it in early with approximately 10,000 miles. Under 6 months later I got billed for 395.00 disposition fee plus tax. This was my 3rd consecutive lease. How sad to bill what you considered a valued customer, not anymore I guess.

I wish I would have read the customer reviews first. It seems that there are way too many of us that had no idea that there was a disposition fee automatically added when you returned your car. Why pay so much money for a car you no longer drive. This will be 2,500 dollars fixing and paying for a car I no longer drive. I was 20,000 miles under my lease miles, never missed a payment, and paid an additional 1,080 dollars for a special warranty regarding any damage done to the car. It was all bull shit. They are outright thieves. They said, "Oh well it’s in this sub section of your contract." You have got to be kidding me. I have even been to the trash dealership multiple times about the return of the car and not a word. This is disgusting.

We love to lease vehicles. We have had great experiences with Honda and Subaru. Chevy socked us with $1800 in fees when we turned our car in despite the fact that we were 3000 miles under the additional miles package we purchased. $700 of the total was for tread on the tires. How were we supposed to use the extra miles we purchased without using the tires? The remainder of the fees were mysteriously labeled fees that had nothing to do with the condition of the car. I suspect that the real reason for these fees was that we didn't want to lease with Chevy again (the manager of the dealership told us he would make the fees go away if we leased again or purchased the car). Chevy has certainly lost us as a potential customer in the future.

I give ZERO Stars. I should not have to pick at least one!!!! I have Never in 20 years had a missed payment through this place! Got a credit alert that said missed payment? What? This is **! I have never missed a payment nor was I told about by anyone about a disposition fee!! My new dealer paid off my lease (I have a Copy of cancel check). I’m so mad that all the credit bureaus believe GM not anyone else & that’s also **!

My recommendation would be to stay away from this financial organization at any cost. This organization claims to have contacted me to in order to inquire about a payment. They contacted the incorrect number that was provided by the dealership. After numerous tries of calling the wrong number the person told them to stop calling. So the representative took it upon themselves to put a do not call on my account. HMMM, so now if there a problem with my account I would not be contacted.

I wish I could give 0 stars.... I would! I have leased 2 vehicles from a Chevy dealer (that I have dealt with buying cars for years). I NEVER missed one payment for any of my vehicles.. As a matter of fact they were all paid each month weeks earlier than the due date. When I turned my first lease back in at end of contract I had NO problem because I leased another. BUT when I turned my last vehicle in and bought a used vehicle from the dealership instead of leasing, I thought everything was done with the lease??!!

I have been sending the required documents to GM for over a month and a half to receive my title and I am continuously being told that they never received them. After a month and a half they have said they received them but rejected them. They cashed the check from my bank over a month ago and have yet to send me the title to the car that is no longer in their financial claim. I am continuously being told I’m at fault even though my banker has faxed and mailed the paperwork and I have emailed it on three separate occasions. At this point I have no idea how to get my title and no one at GM is willing to take responsibility for their negligence. I hope I never have to do business with this company again.

I leased a Chevy Cruze from 2016-2019 and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in September 2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (??). I call and they tell me it's a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a Chevrolet again. Stay away!

Leased a Volt in 2016 and Had a late payment in 2018 due to a Christmas snafu from Paypal using my bank account instead of my paypal account. I made 2 payments in Feb. Was told it was back on track. Gm reported me 30 days late for Apr. May and June of 2018. None of the payments was 30 days late including Jan. I also added additional amounts to my payments to cover local taxes and an additional $1000.00 in 2019. For a surplus of roughly $600.00. Now they are saying I owe over 300.00 for the last quarter of 2019. Taxes over 3 years were $1480.00. The extra thousand alone covers almost the 3 years bills. I can't get anyone to correct these errors. So no more GMAC for me. Time to get a lawyer????

I had 10cent balance that I didn't know about. Plus a disposition fee of 395.00 that I didn't know about. It took them five months to tell me that I owned this, if I didn't pay my credit score would drop. Plus they charge me sales tax on the 395.00. I paid, but wasn't happy about it. No more financing with GM Financial. I work for a gm dealer. If they will do that to me look out. Pay them not to buy a gm car????

I leased a 2017 Buick Encore and paid every payment on time for 2 years. The last payment of the lease I called in personally to make sure I had everything ready for my turn in. She said all is ready and all I had to do was take it to the dealership, account was closed. 2 months later I received an alert from my credit report that my score dropped 20 points because GM Financial reported that I had a missed payment. I had to call TransUnion and tell them I didn’t even have an account there anymore. Then I had to call GM financial to have them reverse the claim. That’s When I found out that they were charging me a $500 “disposition fee” which I never received a bill for. And then it wasn’t even past due according to the person I spoke with. So they had to send a correction to transunion to fix my credit report.

I will never lease or purchase using GM Financial, I turned in my lease early so I expected to pay remaining payments but my 2017 Silverado was in excellent condition and I paid out of pocket for the wind deflectors and bed liner. They give no credit for those items and charged me $395 for the disposition fee to which I was told was auction fees. They charge this for those who don’t purchase or lease another vehicle to which I say I will never purchase or lease a new Chevy product again.

So my first car was a Buick Encore. I traded this vehicle in for a Lexus and paid off the remaining debt on the vehicle while I was at Lexus, speaking to a GM representative. I get a phone call 2 months later informing me that I am backtracked on a payment and have to pay the excess in mileage. I informed them that GM had informed me my account was closed. This affected my credit rating, as I have never missed a payment and I am 33 years old. I informed them that I never got a bill, and would pay it immediately, just to redact the submission to the credit bureau. They stated “no.” So I was blindsided with a final fee and it ruined my credit score. NEVER again will I do business with GM.

I returned a lease not only a week early and 11,000 miles UNDER my allowable miles, but the car was immaculate. I even shampoo'd the carpets first! Get a bill for the $395 disposition and a $16.32 late fee when I had not even received an invoice prior to this. Customer service told me I should have read my contract. I was charged this fee because I didn't lease or buy another car! Way to treat your good customers. As if I would ever want to do business with you again! BEWARE!! So wrong!!!

After making every payment for the entirety of the lease, we were told we were good to turn in the vehicle with no further action. 8.5 months later, we received a bill for a “disposition fee” and .25 late fee. Upon calling GM, they acknowledged a “delay” in their system and gave us 2 weeks to come up with the money. As a “loyal” GM customer, I find myself in a position to never purchase or finance with GM in the future nor will my family. It was clear on the phone they do not care and couldn’t even own a mistake on their part. Shame on you, GM.

I was on the phone with a GM Financial rep getting ready to pay the $450 I was behind when I noticed my car had already been repoed. Will never do business with GM again. Sticking to Ford. Will never buy GM stock or products. Sticking with Ford for me and all my children and my 22 grandchildren. I no longer recommend them to anyone.

As an insult to returning these vehicles, which were meticulous and well below miles and XS wear, we are being charged the infamous $395 "Disposition Fee" as a final "thank you" for being such loyal customers.

I had a leased car by GM. Every month. They mailed a bill to me. Great. In my house the bill goes into a folder and either my wife or I pay it. We take it out of folder and write paid on it and put into file cabinet. Well. GM. Changed to paperless billing. Without my approval or notification so the bill wasn’t paid for almost 3 months and of course it hurt my credit report. When I found out I called, paid to date and never was late before or after this change in my account. I have called 20 times. Nobody calls me back. They do not send me info I ask for. For my attorney to follow up. And fix this illegal act of changing agreements. I will not buy and thing that has to do with GM.

I recently contacted GM Financial to make a payment. I was a little late on my car payment because I was recently laid off from my prior employer and took a bit to get my first unemployment funds. I called to make a payment and was advised since I was behind I need to set up an ACH payment using my checking account with the representative over the phone. So I had. I was never advised of a $10 fee per transaction/phone payment I had set up (1 had 2 set). I was never advised of this fee for a phone payment, and was very shocked and upset when I saw the 10 transaction come out of my account and caused my car payment to bounced, now tacking on a overdraft fee on my account. I am furious this fee was NOT disclosed prior to authorizing my phone payment and I do plan to see legal assistance regarding this.

Be very careful when dealing with GM. If you are Financed or leased through GM and your vehicle goes down for warranty issues, they will tell you that GM will reimburse you for the period you are without your vehicle. What they will not tell you is, that if you trade your vehicle in after your problem is fix they will not credit you for the months you were without the vehicle you are paying for. I had a 2017 Camaro SS that needed to have a motor replaced. Covered under warranty of course. For the month I was without my vehicle I was told by Arron that GM would Reimburse me for the month I was without said vehicle.

Leased a Cadillac for 3 years. Made every payment on time or early. Turned vehicle in on time. Received an invoice for $650.00 because I did not purchase or lease another GM product. After calls to GM no one could explain why this was hidden in small print of lease contract (or at least verbally disclosed). After paying amount of 650.00 in full but late (from trying to get answers) a 7.00 late fee was added. No one called or sent an invoice for the $7.00. GM destroyed my credit score of 830 to 650 for a non-disclosed SEVEN DOLLARS. I will never do business with any GM Companies.

Bought a 2018 Chevy Cruze from local dealership, financed thru GM Financial. First payment due statement, dated the 10th of each month, always received on the third week of each month. Payment due on the 30th. I always paid ahead 1 month to avoid late fees as the payment center is in Phoenix AZ. Asked customer service for a payoff quote. Never received. Paid off loan in full Aug 12th, Asked customer service when I get the title, was told Sept 4th and would be delivered to my home address. Received a letter dated Sept 4th on Sept 11th, no title & letter states Ohio sends electronic to County DMV.

I have requested GM Financial to fax 10 day payoff and copy of title to new lender on 8 occasions but they have not done so. This has gone on for 4 weeks. Each time they state it will be done within 24 hours or "the next few hours" but they don't do it, thereby hanging on to loan I have the right to change over. It seems crazy that they would lose a GM customer for life for an extra payment but that's been their choice. I would never again get a loan from them or buy another GM/Chevy product.

Hopefully resolved this time.

GM Financial called last Thursday to advise that last 3 lease payments were missing. This was 1st notification and I called dealership who confirmed they forgot to mail payment when I turned in lease for new vehicle. GM Financial still reported me as late to credit bureaus on Friday even though it was a dealership error and the payment was to be processed. Shame on GM Financial for ruining credit of a 40 year GM customer who has never been late!

I was never late on my 39 payments. Should return my car May 11, 2019 and returned April 30,2019 (10 days earlier) because I was moving from Florida to Arizona, again May month was paid. May 4 I arrived in Arizona and called GM Financial to know how I was going to pay for my Disposition fee. I was aware and that's why I called, TO PAY (when your lease is over they charge you $395 to put the car back in their warehouse). The customer service representative told me to wait 60 days until I receive a letter charging. They already had my new address before I moved. I asked if I could pay over the phone. They said no, checks only. 60 days passed and nothing.

I am being charged $495.00 disposition fee for a meticulously maintained GMC Terrain with 13,000 miles less than what was agreed upon. I had on 7 attempts to purchase outright or lease another vehicle from them, however, the money required down as well as the upfront money was way beyond what I was paying. Iam now being held hostage to pay this incredibly high fee. I did everything within my means over the course of 3 months prior to lease expiration to get another one but to no avail. As a retired individual on a fixed income, my wife and I were forced to go to a one car family. I tried to rationalize this to several different customer service reps. and there supervisor, but, to no avail. We have been long term supporters of GM and my family have either leased or purchased 6 vehicles in the past 2 years. So much for customer loyalty.

I had a 72 payment contract. I took a couple deferments over the 6 years and had a balloon payment at the end. It was more than I could pay within 30 days. I called to see if they could modify my contract. They did it without a hitch. Calculated estimated payments that were very low and sent me the new agreement. Absolutely no hassle. Over the course of the loan I had a few problems making the payments on time. But they allowed me to defer payments without any hassles. I never dinged my credit report by missing payments. Very easy to work with. Very friendly.

Leased a truck from GMF, called for pay off. I was given a number so I sent in a check. Called to see when I would get the title. 14 Days I was told. Well it took 20 days, and then I received the title with both names on it so it will now take 10-14 days for my state to send me a title with just my name on it because I cannot pass it on to the new owner with the title I received from GMF. I was told it cost $25 and GMF does not want to absorb the cost, understandable.. BUT they could have ask for the $25 added to pay off to save me time and BIG headache. People need to think. Everyone I talked to all the way up to manager had nothing to say.

I leased my first vehicle in July 2017 for 2 years and decided not to renew my lease in July 2019 as the quotes were out of my budget. ISSUE #1, the salesman at Ed Rinke Chevrolet did not tell me about the disposition fee if I did not renew or purchase a vehicle, so needless to say I am being billed $395. ISSUE #2, I had a small (<0.5 inch) windshield chip that is in the GM Financial lease return book as normal wear, HOWEVER per Randall (ID **) the AutoVIN inspector (GM Financial auto inspection company) took a photo of the chip (on an angle and tape measure starting past the beginning of the chip) documented that the chip was >0.5 inch. I have taken multiple straight on photos using the GM Financial windshield chip/crack measuring template provided by them and clearly the chip is <0.5 inch.

This company resolved my problem super fast.

After dealing with this company's fanatics throughout the last year, I decided to refinance my vehicle through a separate credit union. I made my final payment through my GM Financial account and the new lienholder sent GM Financial a payoff amount to cover the remaining balance, on the same day, paying the amount and principal balance in full. Upon checking on my account two weeks after my payment was made, I logged onto my GM Financial account and noticed that the last payment I made was still processing. Keep in mind my new lienholder has the title car and I have set up an account through them to make my future payments status post refinancing. I spoke with a GM customer service representative over the phone and they informed me that the payment had been rejected.