GM Financial Reviews

When I called GM Financial to explain what had happened and ask to be reimbursed for the overnight delivery fee, I was put on hold for what seemed like eons just to have them tell me that's not their policy to refund delivery fees (even though they were at fault) and I should have known my payment could be 10 days late. I told the representative I had no way of knowing that, no one was available to speak to and why would I want my payments, especially my first one to be late! Horrible customer service. I will be searching for another financial institution to switch to.

Original Review: Jan. 9, 2018

Something seems suspicious with GM Financial's MyAccount, at least for me. My lease end date is just a few months away. Emails from GM Financial: 12/21/17 - MyAccount will be unavailable beginning 12/29/18 - 1/5/18. 12/27/17 - MyAccount will be unavailable beginning Friday. 1/5/18 - Account servicing updates are delayed. I use MyAccount, to make my payment a few days early (it is due on the 10th of the month), however, when I tried to do it before their outage, they wouldn't allow me to post date it past the outage date (all other previous payments allowed it). So I had to mail it in. No problem. 12/30/17, done. My payment cleared my bank on January 4. Super, right? Sure, if GM Financial had posted it on their side... but it still shows I have a payment due for 1/10/18! Not only did someone screw up posting it to my account, they processed it as an e-check payment - which I did not even authorize.

So I spent 29 minutes on hold and 15 minutes talking to someone who clearly didn't know what was what, who told me to fax (then told me to email) a copy of my cancelled check - and that they wouldn't look into it until they received proof that I made my payment. She also told me that the company is trying to eliminate some middle-man payment processor and that is part of what is changing there (Is this my problem, as the consumer? I don't think so, do you?). Some interesting notes. I wrote the check to GM FINANCIAL. The person who processed it (and obviously did not post it to my GM FINANCIAL account, sent it through as to US LEASING ORIGI rather than GM FINANCIAL as I wrote the check. I have just under an 800 credit rating that I work hard to maintain and this really ticks me off.

As I am writing this, I received another email from GM Financial: 1/9/18 Servicing Systems are back online. The gist of the email is this: "Review your next statement carefully. Late fees charged during the outage, from Dec. 30 to Jan. 8, will be removed. Please call us as soon as possible if you see an erroneous late fee. Also, check your contract. It may allow a period of time during which you are not assessed a late fee. Will this outage affect your credit history? Rest assured, we are committed to not letting this system upgrade affect your credit history in any way. Like all responsible financial institutions, we report non-payment on accounts after 30 days. Any accounts that reached 30 days past due during our outage, which began Dec. 30, 2017, will not be reported past due if payment is received prior to Friday, January 12, 2018."

My payment is due 1/10/18, but was already cashed and went back to my bank on 1/4/18. There is no mention about a scenario where the outage didn't make my payment late, but rather seemed to send it into oblivion. I know I paid it, the bank knows I paid it, and something called US LEASING ORIGI knows I paid it, but GM Financial doesn't because US LEASING ORIGI apparently did not send the message, for lack of better explanation. I am trying to set up my next car deal (through Chevy again) and they think I have an extra payment due because of this, which goes into the loan amount. This is really frustrating. Perhaps I won't close the deal after all if this is how a financial giant handles their financial situation. Unbelievable.

First of all, we have a paper where it was stated that in case there was a total loss we could get reimburse some money from the GAP which never happened because the check was sent to the dealership and since GM is also the GAP insurance company they conveniently applied $300 and something dollars to the total amount due for the car instead of us getting that money. The dealer stated that it was something stipulated in the car contract, fine; we left it like that. One month after the accident we started receiving a bill for $460 for an “amount owed”. We called in different occasions GM financial and explained the situation and they always stated that it will be removed. This month we NOT only received a bill again but they reported it to the credit. At this point this is fraud and everything is internally being monopolized by this company working for them and against their customers.

GAP will pay whatever the insurance doesn’t cover even for a lease, if there is an “amount owed or due” should be worked between the insurance company and the GAP. The customer is NOT responsible for that amount neither the company has the right to put it on their credit report. Also, at the time of the accident when the insurance company receives a Payoff amount (is the amount owed up to that date) if there was a discrepancy of numbers it is NOT the customers' fault neither we have to pay for it but it is easier to bill the customer instead of paying that amount since they are also the GAP insurance. I really hope this gets resolved soon. I will never get another GM car neither go with GM financial again, I feel like I have been robbed. I will NOT recommend GM financial to anyone.

So it was at first unclear whether anything was owed to GM, then the agent confirmed that I owed nothing. On Dec 1, I logged in to pay my bill (I prefer to pay bills as soon as I receive my monthly paycheck). There, I was greeted with a past due notice totaling $751. I contacted GM through the chat again, and received no response for several minutes. While I was waiting for someone to respond in chat, I called GM. I spoke to someone who repeatedly blamed me for the past due, telling me "Regardless of what the website says, you owe $367 every month on the 12," and that "the chat is always wrong."

This is not an acceptable response from customer service, and I am fairly sure is criminal. I was told quite clearly by the website and customer service representative that I owed $0 for November. I thought it was odd, I questioned it, but was told that I did not owe anything until December. There is no way I am going to pay the November bill now, just out of principle. The only option given to me to repay this amount was to split it in two and tack it onto December and January's bills or pay it all by the end of December. Oh and guess what - the site will conveniently be down December 29-Jan 5, so I can't even pay that giant bill on the last day of the month when I get my next paycheck. DO NOT DO BUSINESS WITH THIS COMPANY IF YOU CAN HELP IT. THEY ARE LIARS.

Original Review: Dec. 6, 2017

Ok, so I can blame everyone involved so let's just start with the dealership, First, they screw up the paperwork for my 2018 Colorado Lease and had to make another contract. Because this took so long I did not get a statement from GM Financial until after the payment due date so I made the payment at the dealership. After getting a statement from GM I started making bill pay payments. After first payment the next statement stated I was behind in payments. I called them and checked and they were missing that payment that I had made at the dealership so I sent a copy of the receipt to them. Looking at my statement online it looked like I was up to date, I even got a call from them earlier that they were investigating. The dealership stated they would follow up on it, but I never received a call.

So as of today, I received a call from GM Financial even though I had a receipt they had never received the funds. AND that it is still late and up to me to fix... WHAT!? So I have called the dealership again and am waiting for a call. What I did learn is that GM Financial is NOT A BANK, the funds go to ACAR Leasing LLC. I suspect that those funds went directly to ACAR and made that suggestion for GM Financial to check there. It is now into the fifth month since I got the lease. What I haven't found on this site is a real method to solve this. Looks like from all the complaints I will have to sue them. IF anyone knows a proven method please write a review for all of us to see. Thanks.

Updated on 03/29/2018: The dealership has sent us a check to pay GM Financial and get up to date. THE dealership Davidson-Gebhardt has really tried to solve this. THEY will take over with dealing with GM Financial. VERY professional answer and we are very thankful. Current UPDATE; GM Financial is the "MOST" incompetent company (besides CenturyLink) that I have ever had to deal with, not only do they stick to their stupid guns, they have changed the late date. When the dealership sent me a check for that "So-called" late payment GM still would not remove the late date.

I have tried going through Experian and Transunion to challenge the late payment. Experian TWICE ruled in favor of GM F, THEN they finally allowed me (I am so thankful- NOT) to submit evidence, not a word yet. Here's the thing; these credit reporting agencies work for the "loaners" so that the loaners can charge us more interest by lowering our credit scores. DO NOT EXPECT THEM TO HELP YOU. PERIOD. Sue them, if under a thousand dollars you can process small claims lawsuit in the county of who is handling your lease. Mine happens to be in Phoenix AZ. I will be submitting a small claims to include removing my late payment on credit reporting agencies. I have all the evidence I need and will not be going to Phoenix but hoping the judge there will do their job.

That’s just the first thing that was wrong with GM. GM kept calling saying that my insurance company hasn’t had contact with them when that was a complete lie. My insurance company was trying to get them to release the title. That way they could write them a check and GM gave them the runaround and wouldn’t release the title. I'm not the only one that had this problem. And to top it off they tried to repo the car. I haven’t had the car since hurricane Harvey hit. It’s in some field with thousands of other vehicles so good luck finding it.

My insurance company finally got the title and was able to write them a check but now getting harassed because my gap insurance hasn’t paid the remaining off. Anyone dealing with gap knows there’s a lot of paperwork you have to get done before they will pay it off. That’s hard to do when your home got flooded and two Of your vehicles got flooded and you're trying to put your life back together. I will never do business with GM Financial again.

I need to do this about every 2 months. And this is affecting my credit when they lose my check. I am really tired of calling and calling them. I am on the phone with them a minimum of one hour. Today I talked to 3 different customer service reps. Each rep had a different story to tell me about which missed payment I had. They are now currently looking for another missed payment. I am 58 and have never in my life dealt with such incompetency. DO NOT USE GM FINANCIAL!!!

I explained to a GM Financial manager my situation to see if I could get my payments lowered. They did not care and said they could not help me. If I had the money I would have no problem paying them the $418 payment. Oh and side note this was not a new vehicle, it was used and a few years old. It was in good condition and only had 11,000 miles so that was a plus. The customer service I have gotten every time I have called to let them know I would be late on my payment or to see if I could get late charge taken off because let's face it a single person trying to live in this world can't afford $418 payment working a job only making $11 an hour.

GM Financial doesn't take any of this into consideration. They don't care about their customers. I want to see one of their corporate managers lose everything and see how they plan to make their payments. They would want someone to care and understand. But do you get that at GM Financial? No. You do not. So I do not recommend using them. Also customer service is horrible. I will say I had one girl who was very nice and understanding. She couldn't help me reduce my payment but she was very understanding. She is the only good thing at GM Financial.

When I told them that I did receive it but it wasn't for my vehicle I was put on hold. When the person got back I gave her my truck information so they could "investigate" the situation and someone would get back to me. Days turned into weeks and finally it was time for me to make my next payment and still the violations were there. Again I called and spoke to someone different. Again I had to explain the entire situation and again I was told that they would look into it and someone would get back to me. Another few weeks went by and no one ever contacted me so I called again. This time the person told me that since GM has paid the violation it was up to me to go to the city or town in which the ticket was issued and have them issue the leasing company a refund check. I asked how I was supposed to go about doing so which they just told me to go to the town and tell them what I've been telling them.

So now that I have to travel to a town I've never been to and have them issue a refund check going solely by my word alone, I'm extremely angry and write a formal complaint to GM. I received an email a few days later stating how sorry they were to hear about the situation I'm in and they would look into everything and would have the issue resolved with me having to do little if not anything from this point on. I had also asked to be sent copies of the violations so I could keep record of them. I never received them and the last email I had received from GM was from July 19th. Today I called again to figure out what is going on since it has been nearly two months since anyone has said anything to me and the violations were still on my account. Now mind you the only copy of the violation I received was back in April from GM Financial and had the picture of the car and the license plate from the toll.

They are now telling me they have no picture of the toll violation and I only have the vehicle information. I then stated that if they had vehicle information then wouldn't they have known it wasn't for my truck in which they responded that it shows it's from for Silverado and that I needed to contact RITBA for them to validate that it is not my vehicle and for them to issue a refund check. So I call and tell the woman on the phone what GM Financial has been telling me in which she laughed and said they don't issue refund checks but would gladly look into the violation. She then stated that because GM Financial has paid the violation that the ticket has been closed and because I do not even own an E-ZPass there is nothing they can do and I need to deal with my leasing company directly.

This company has been nothing but a headache for me and has done nothing but stews me out for the last 5 months. Why should I be responsible for fixing their mistake when I have been telling them for months that it isn't even for my vehicle. They never call back when they say they're going to nor do they have the common courtesy to email you back to give you any sort of feedback on what they're doing on their end. They have guaranteed that I will NEVER lease another vehicle through them again because they are just awful.

From speaking with the first person I was lucky to speak with to the Manager who helped me. It was absolutely a great experience! They were so kind and understanding! I had to make sure that I would keep my promise of payment dates & payment amounts and my car would not be repoed, what a relief and what a great company!

I had a small personal loan with a company called "Heights Finance" a small $105.00 a month personal loan and all I got was threats of them taking me to court when I called to make arrangements with them and here I am with a $30,000.00 loan with GM Financial and they were giving me a chance and they listened and cared enough to work with me, so yes GM Financial is a great company in my opinion!!! I would go back to them any day and would recommend family and friends! I got to keep my car because of them!

Over the past month or so I have spoken to numerous individuals without even a hint of success. They insist the total they request from my bank was accurate but cannot account for the difference. They offered two different reasons but neither was accurate. I have encountered numerous unreturned calls and emails and I must say I have never experienced so much incompetence and poor customer service as this. I will no longer use GM, and will suggest my car dealer do the same.

When I finally got on my feet, something major went wrong with my car that wasn't covered under warranty and had to pay over $1,000 for it, the same day I was suppose to make that payment to them. Instead of them being angry and threatening to repo, etc. they completely worked with me! Were very apologetic for the year I had and took the time to talk with me about what we can do to resolve this. I have dealt with plenty financial companies that have left me horrible rude threatening voice mails, etc. but these people are great to deal with!!! 100% recommend them!

They are the most worthless company I have ever dealt with. I bought a Dodge and will NEVER do business with GM FINANCIAL again. They ruined my credit and don't even care that it was their fault. I have told all my family and friends never to do business with them. They will ruin your credit! Please I urge anybody to finance with anybody but them! Terrible treatment to a loyal customer that did nothing wrong! I hope they go bankrupt.

I became life-threateningly ill in Aug 2015 & have been dealing with health & medical insurance the past 2 years, so this issue was put on "back-burner". Then while getting car registration renewed today asked how to get car title. County tax office said Americredit has NOT released lien; still shows as lien holder on title. Called GM Financial/Americredit when got home & was told same thing as two years ago!?! When told them State of Texas still shows them as lien holder their response was that GM/Americredit releases it electronically & the State does not update THEIR records properly (I worked for the State of Texas for 11 years... I know better).

Only after I threatened to call a specific local TV station Consumer Affairs assistance program did I get a different response. Young lady on phone asked to put me on hold for a few minutes to talk to supervisor. When she returned to line she said request to resend "lien satisfaction letter" will be put in system, Then someone will call me within 48 business hours to inform IF approved. IF approved, letter will be mailed in 7-10 business days. I will still have to request clear title from State & pay any applicable DMV fees myself. That's fine... it's only $7.50. I just refuse to pay GM/Americredit $23-$35 to send a copy of something that's rightfully mine that THEY NEVER mailed in the first place. ** & GM Financial/Amercredit are running a scam on consumers. DO NOT FINANCE YOUR VEHICLE WITH GM FINANCIAL/AMERICREDIT... THEY WILL HOLD YOUR TITLE "HOSTAGE" FOR THE FEE.

I reached out to GM financial and they said the reason they put a bad report was because I was 30 days late on the $120.00 a month loan. I told them I never spoke to them about late charges. Why would I be late on a $120.00 loan when I have a loan with them of $1,100.00. and I have never been late for the loan? Anyway, to make a long story short, they had my office number for contact and not my primary number. I told them to remove the bad remark as this was more about them not having the right phone number to contact me and she said she couldn't. My credit when down by 100 points.

The check for the premium was send directly to GM Financial, according to the letter I received from American National on May 15th. June 19th, I phoned GM Financial to confirm the funds were received. I was told by them the check had not been received. I then contacted American National who issued a tracer on the check. I received a letter from American National the following week indicating the check was received and cashed on May 24th.

Here it is July 6th, and this issue is still not resolved. After spending 4 hours on the phone with both GM Financial and American National, this what I know. GM Financial received a notice dated June 29th, from American National requesting the funds be returned to them. I believe the term used by GM Financial was reversing the payment. According the claims specialist from American National, they did not request the funds be reversed. I am still waiting for American National to return my latest phone call. American National would gladly speak with GM Financial, and I attempted to facilitate that exchange. However, GM Financial has a policy not speak to 3rd parties.

I participated in a conference call with both American National and GM Financial on June 29th. At that time, the matter according to GM Financial was resolved. Today I receive a phone call from GM Financial once again telling me that American National has now verbally requested the return of the check. That is false. I have spoken to the claims specialist GM Financial has indicted as the source of the request. Now I am waiting for yet another conference call to attempt a resolution of this matter. According to the conference call of June 29th, GM Financial had agreed to credit the account effective May 25th and reverse the interest charges associated with that amount. At that time, the matter was considered closed.

In the meantime, I am accruing additional interest on the account, as well as being assessed late fees and such by GM Financial, as all the payments I have made are reconfigured. Since my husband died suddenly without a will, and the loan is only in his name, I do not have access to the GM Financial account. This is my only vehicle, and I do plan on taking the issue through the probate court to have the loan transferred to my name and eventually have the title issued in my name. Now, I don't have the funds to hire an attorney or pay the court costs. I am trying to save the money to file. With all the additional fees and interest on the account, what money I had set aside for this has gone to GM Financial.

What do I want as resolution? I want the funds from American National applied to the account and credited by effective on May 25th as that was date the first check was cashed by GM Financial in a timely manner. I would also hope that GM Financial to reverse additional interest accumulated on the loan due to this issue. As an added benefit, I would hope anyone who hears about this, would understand the importance of wills and keeping proper records to back up your issues.

Also worth mentioning the car was 25,000 kms under the allotted amount with 4 months remaining on the lease, and was in pristine condition inside and out. I am currently in the process of taking legal action against GM Financial and will most certainly never use them to lease another vehicle as long as I live. Suggest everyone else does the same.

In June of 2017, I received a bill from GM Financial for almost $500 in excess wear and tear, excess mileage, and tax for the 2015 GMC Terrain. I again called GM Financial and told them that the vehicle was turned into a GM dealership over 6 months prior. GM Financial rudely informed me that I turned the vehicle in June of 2017. I again had to prove that the 2015 Terrain was turned into a GM dealership in December of 2016.

GM Financial clearly lost track of the vehicle for over 6 months, and is now trying to recover $500 in taxes, damage to the vehicle, and excess mileage that the vehicle incurred from December 2016 to June of 2017. It is my position that the vehicle was turned into a GM dealership in good condition and within the contract mileage. It has not been in my care, custody, or control for 6 months, and GM financial was. I am not responsible for damage or mileage incurred since the vehicle was turned in, nor am I responsible for the 6 months of property tax. GM Financial is typically unresponsive to emails or phone calls. I would never treat a customer like this.

Dealership we got it from went out of business and no other Chevy dealership would honor the sale to fix the problem. The one we spoke to wanted $400 just to plug it in the diagnostic computer. That did not include a Guarantee to fix any issues. It was just to tell us what was wrong. Still paid for the five months of trying to get it fixed. Come to find out 2009-2011 GM vehicles with a certain V6 engine in it ALL had issues because the engine is no good. GM knows this and admitted to it on the phone. However they refused to have it fixed. I said this should be a recall or you should be responsible for fixing it. Yeah, we know but we are not. BBB, and every other complaint company has thousands of complaints, I believe this was Toyota's issues as well. Still nothing is being done.

Needs a new engine AND computer system. It only has approximately 130,000 miles on it. What engine goes up on it's own at 130,000? At least $3000 & 4000. Cars maybe worth 4000-6000. Can't afford to pay so tell them to repo and that I'm done paying for it unless they are willing to fix their issue with their vehicle. Told to skip two payments and then they could repo due to MD law. Did everything Financial person told me to do. She told me I was done. I asked "I am now done with everything". She said yes. Beginning of June I get a letter saying they are going to auction off car and that I will be responsible for the balance. I called Chevy Dept they say It's the Financial dept's problem. Call them they said They know the vehicles problem is a manufacturer's issue and that Chevy is responsible but I still have to pay.

Vehicle is a lemon and they admit it is a lemon but I entered a contact with them and still have to pay. I said "No you admitted issue is yours". "Well we are separate from GM". "No you are just a separate department". "Yeah but we aren't responsible for manufacturing issues". "Yeah I get you didn't make it however your company did and that makes you part of the responsibility". She says I would have to prove it was a Chevy issue. I said the complaint department said it's their problem and that I have to talk to the financial department. "We aren't a part of the..." "YES I know but your complaint Department can't send a memo to you saying it's GM's problem and tell you to cancel or forgive the loan?" "No, we don't do that. You signed a contract with us, so you have to pay". "Not paying GM for a lemon". She kept saying they weren't GM.

Supervisor then threatens to get the IRS to take the money. IRS does not come after private loans. I get the whole 1099c thing where they write the loan off which somehow the IRS sees this as an added income to me. However so long as I claim it on next year's income tax isn't going to mean a thing. So I said "Yeah I know send it to collections then go to court". This is really weird part because apparently they don't go to court. I said twice I will fight them in court. They don't take you to court!!! I was told if I wanted to go to court over the issue I WOULD HAVE TO BE THE ONE THAT FILES?!? She said I would have to fight it as a lemon. I said I would just wait for them to file as failure to pay in claims court. They don't do this! Because they would lose.

It's a HUGE scam these people are pulling and nobody is doing anything about it. That's why they do the IRS thing. They don't let you know they filed it. They get the write off as a business loss and get the money from the government and I would get fined by the IRS for not claiming the write off as an income. That's how they are getting away with it. They send me back to complaint side of Chevy. The woman on the phone admits it's their problem and that THEY are a part of GM. Doesn't understand why they aren't cancelling loan. Send me back to another section of Financial. She questioned me and even admitted herself it's Chevy's fault and can't figure out why they are still having me pay. She goes all over the place and come back to start sounding like the one before her about the auction. DO NOT DO ANY BUSINESS WITH GM BY ANY MEANS! GMC, Chevy, or Buick. No wonder they needed a bail out in 2008.

My husband committed himself to everything the representative asked. When I called last night the rep called and said she did not see why they repo the car when my husband abide by their directions. I have worked so hard to keep my car. I need help. The repos was their error. I can see if the representative said paying $250 would not do anything for keeping the car and it would be repo, but to make him make payments on something they knew they would keep. My medicine is $300 a month, I am in and out of the hospital. While I were getting my short and long term payments I paid my car pymts. The last person I talked to said I was 4 pymts behind. With the payments he made and the $250 payment due on Friday then two weeks a full payment that's only one payment if any behind.

They said they would expedite it for me. But it still takes 5-7 business days and the payment was take out on a Saturday. That's just to even get a response of whether or not they are going to refund it. My grace period for rent will be over by then. And I wouldn't get another paycheck for another week. So I can't even pay a late fee which I will need because they have over $400 tied up I can't touch and they won't refund it in time to pay rent. I don't have anyone to help me. I'm on my own. I'm risking late fees and evictions. And for the last two days all they know is "research is pending." But can't even tell me where we are in the process of this refund. They won't even help me with a late fee that they caused. Do not use GM FINANCIAL if you can help it.

First they wanted a running bank statement, which I provided immediately, then because it didn't show that they were the ones pulling the funds... that wasn't good enough... even though I had already explained how our payments were being made. I contacted the middleman company and they provided me with proof of the payment, which I forwarded to GM Financial. We went from our payment would be refunded within 24 to 48 hours to 30 days to it's in the mail to the check hasn't been cut due to needed approval to it can take 15 days.

Mind you it is now April 18 and I finally have been told that the approval has been made and we will receive our check by the end of the week. I'm not going to hold my breath, but I will probably faint if it really comes true. The most frustrating part of it all is that every time I call, I get someone new and different branch locations, so nobody knows the people we have already spoken to and they have to read the whole book of notes which makes the phone calls long and even more frustrating. We were promised a call from them regarding our payment, but that never happened. I had to call them yet again. I will NEVER EVER use this company again and I would NEVER recommend them.

At the time I was more concerned about getting my life back on track than I was arguing with these idiots. Well this was in 2010, in 2015 I receive a 1099-C from the IRS that I now owe taxes on the remaining balance of $13,680, so they obviously sold the vehicle and deducted the $6000 or so they sold the vehicle for and claim that I still owed the $13,680. When I called to find out more information the lady I spoke with was again rude. She wanted my current address and phone number because she said I still had a balance that needed to be paid. Knowing the law, I questioned her how if the balance was now discharged could I have a balance. Her reply was that I must not know what I am talking about, just because it was discharged does not mean that I don't still owe the money.

This is illegal by the way when a debt is discharged, the creditor can no longer pursue for the debt. She could not give me any direct answers as to how I could possibly owe this amount after paying on the vehicle for 4 years. Unfortunately, there is not much I can do at this point except go on pages like this and warn other people to be very cautious when choosing this company for a car loan. They are snakes in the grass and the government should investigate them instead of allowing them to terrorize from what it looks like a great deal of unhappy customers. GM should be ashamed of themselves for allowing things like this to happen to their customers. I wonder if the IRS went after GM for defaulting on their loans!!!

This time they see that the payment was taken out but want me to send my checking account statement to prove that the money came out of my account so they can refund me my money. Their other suggestion is for me to call my credit union and say there was a fraudulent withdrawal from my account so I could get my money back. How does a Financial company screw something up so bad? They don’t seem to care. GM Financial needs to get their house in order. THEY SUCK.

To make my payments, me being new to their website I asked the Agent if she was able to walk me through it to make my one time payment through Western Union Speedpay for the month of January since she couldn't confirm it was set up for the Automatic withdraw and she told me step by step and my payment successfully went through. On the month of February my payment was due on the 28th and I guess the Automatic withdraw that I had set up through GM Financial from the beginning took effect and my payment successfully went through. The next day on March 1, 2017 they took another payment which I was completely confused why they double collected on my account.

So I called and I asked them why they had taken two payment from my account, which they had caused my bank account to overdraft and they caused other payment I had from other bills I had scheduled for the same day to not go through causing me A LOT OF DAMAGE putting me in a really bad situation! And they told me that I was set up for two Automatic withdrawals one from GM Financial and the other is called (Recurring) through Western Union. I asked the agent why was I set up for two Automatic withdrawals and she said that when I had called the month of January the Agent walked me through the steps to set up the recurring payments through Western Union when I specifically repeated myself to her that I only wanted to make a one time payment for that month since she wasn't able to confirm with me that my payments had been set up for Automatic payments through GM.

I asked to speak to a Manager/Supervisor and they transferred me to her. I spoke with her about my situation and told me that they had to get all of this situated and that they had to take full responsibility for the mistake that they made because the first Agent mislead me to set up Automatic payments with Western Union when I told her I only wanted to make a one time payment. And she told me that it was my fault for the whole situation because I was the one that set up both Automatic payments. I argued with her for a good 5 min asking for a reimbursement. She told me that the reimbursement would take up from 30-45 days and that they were not going to take responsibility of the fees that my bank added which I was completely fine with because my bank was willing to waive those fees for me.

So in order to reimburse me my money that they double collected which I had not authorized we needed to speak with my bank and talk to a representative which we did. And my bank confirmed that they did collect twice on my account and that there was nothing pending. So GM's Agent asked for my bank to fax them a statement showing both payments going through and my bank provided that information and the Supervisor stated they were going to reimburse me. I called on March 6, 2017 to confirm if they were going to reimburse me and the Agent notified me that they had declined the reimbursement and that they needed more information when my bank had already confirmed that they double collected and they caused my account to overdraft because they had taken all my money on that account...

They have given me an EXTREMELY hard time. They have all been extremely rude. They are not cooperating with me or my bank to give me my reimbursement and it's deceptive behavior from GM Financial Agents! I don't understand why this company is in business if they are not taking care of their Customers. I would NEVER recommend anyone to have a contract or make business with GM Financial!

I want my credit fixed. They are not offering anything. They are not contacting the credit agencies. I was told by a rude employee that it will be automatically updated. Really? 4 different supervisors can't do anything but say legal department is working on it. I think it's time to call media or whoever will listen. Why they refuse to do anything but be rude. I will never use GM Financial again and right now I am so upset that I have to deal with the credit bureaus to fix the problem GM caused. I hope someone from GM reads this and calls me!!! That could help.

Why did Wells Fargo not do this as I was paying 10% outside and 4.25 in the bankruptcy. Does GM forget that the American taxpayers bailed them out and all they do is try to take advantage of people. I have even emailed corporate - this is ridiculous. The courts by law reduced the interest rate but they want their 14%. Will never ever in my lifetime do business with this company. Legalized robbery is what it is.

The supervisor told me this happened to many people. She said all she could do was apologize and that my credit should be corrected in 30-45 days. WHAT!! Im in the process of looking at loans to buy a house. I was very upset. I asked for a letter so that I could show my loan officer. She said she would email it by the end of the day and that she would call me on Monday. SHOCKER... neither of things happened. I will never use GM Financial again and right now I am so upset that I have to deal with the credit bureaus to fix the problem GM caused. I hope someone from GM reads this and calls me!!!

My husband and I have been working diligently to clean up our credit and reduce balances on all of our accounts. In November, I called GM and notified them that I would be sending a $7,000 payment and wanted my Nov. and Dec. payment taken from that and the rest applied to principal. Because of the large amount of the check, I sent it with tracking to the Phoenix, AZ address given to me by the representative and had my account noted. For some reason, it took a week to get to AZ from PA. Upon arriving in AZ GM refused to accept the FedEx envelope and FedEx returned it back to me. Took another week. I received the physical check back in hand on Dec. 8 to which I called and spoke to three different reps including a manager. I was told to process payment electronically on the website and I did so. I immediately received a payment receipt and a few days later on 12/13 my Equifax updated to reflect the lesser balance.

Last Monday 12/12, I received a call from GM stating that I was now overdue on November's payment and that December's was now due. They were calling to collect both months. I told the rep on the phone to review the account and went through the whole story with her. She said she could see the notes on the account and didn't understand why the robo-dialer had called me when clearly I had made the payments. This past weekend on 12/18 my Experian updated and sent me an alert that GM Financial had flagged my account as 30 days past due. What? How is this even possible?

This morning, robo-dialer from GM calls me again. I told the rep get me a manager immediately. She proceeds to tell me that my payment on the 8th was never processed as the account came back as "null". What? I checked and double checked when I entered the information. After the return of the envelope, I wanted to ensure this went through. The receipt also shows that the last four of the account #'s matched the account I paid it with. After confirming that the money was not retrieved from my account, I called GM again. I spoke to another manager and again went through the whole story. She echoed that the payment had not gone through for a null account. I asked her to read the history of my account, that I had been trying to pay them $7000 for a month now.

I told her I was unsure how this account which is a valid account with plenty in it to cover was showing null and asked to make payment right then and there over the phone to ensure accuracy and thorough transmittal. I asked that the late fee they charged me be waived because it was no fault of my own that they returned the payment. I also asked that the hit on my credit be removed because it was inaccurate. She agreed to removed the late fee, but told me she would not remove the fee to pay by phone. She also told me that she would not/could not update my credit as it's "my fault" I didn't make the payment. At this point I was livid. I unloaded on this woman like I've never unloaded on anyone in my life. I have been trying to pay them 7 thousand dollars for a month and they've made this nothing short of a nightmare and now have damaged my credit by reporting false information.

Naturally, this is in dispute and I have all the proof to back it up. I should note, that my husband also has an account with GM and he paid them $10000 only to have it returned! That is $17,000 in the course of the month that we have been trying to pay collectively! His just came back Friday and he submitted it electronically as well. They are a dirty greedy company and I cannot wait til the day I am out from under them. I highly suggest never subjecting yourself to their crookedness and DO NOT get financed through this company!

I called only to get the run around for weeks then finally spoke to the manager Advanced Financial Services Towing in Sayresville NJ. When I did he got defensive, called me out of my name and told me to have an attorney call before he hung up on me. My attorney called and he refused to take his call. I called AmeriCredit (GM) about what had happened and they refused to offer me any assistance. Although we have bank statements to prove payments were made they refuse to admit my vehicle was wrongfully repossessed. So now we have repo on credit and my insurance USAA has to pay for the damages done to my vehicle.

The Tow Company said that it would have been no charge if I picked up my car there. However, because it was sent off to the auction then I would need to pay $430.00 to get my paperwork back. The many times I called GM Financial I was told to speak to someone in the Reinstatement Department and which you can only leave a voice mail message. After failed attempts to get information about my car, so I tried to access the account online, which I was blocked. I then called Customer Service again to request detailed payment and transaction on the account and the Customer Services Dept Supervisor that I spoke to told me that since I am not the account holder for the car loan, I can't get any information and I need to be my husband's Estate Administrator in order to get account details regarding loan payments made.

I explained to them that he did not have an estate and I asked to be directed to the Legal Department and they told me they did not have that information. When I finally spoke to someone in the Reinstatement Department, the representative engaged in a conversation about personal matters. I felt it was unethical and unwarranted. All reputable companies must follow some sort of code of conduct by employees and use standard business practices, which you are not to discuss with the customers personal matters. Especially, if it is not relevant to the business being conducted. I was outraged, embarrassed and humiliated by GM Financial Customer Service Department employees. GM Financial said the only way I could get the car back was to pay the entire balance owed.

I stated over the phone to your employee that I want the car back and didn't want to lose all the money my husband had put into it and had already paid GM Financial about $31,000.00. I had no choice but to use my saving in order to get the car back. Here are the following required from me in order to get back the car: Pay off entire balance in the form of either a cashier check or money order; Payment then needed to be to be cleared and updated on account; Release letter sent to Tow Company and/or Auction Company; Policies required by Tow Company and/or Auction Company, i.e. notarized form and over a 100 miles away from my home; Release from Police Department, fee involved; Property returned to me that was left in vehicle, Tow Company charge over $450 for just my documents.

I never heard of anyone being able to get a money order in amounts over $500.00 and a cashier check from the bank is as good as cash, so the process of clearing payment makes no sense and is just a way of making further delays and fees accrued. After the several days it took to just pay off the car, I needed to know when I would receive the title and the name that the title will be in, and where it will be mailed. I was told by GM employee that, they would put my husband's name on the title and it would be mailed to the address on file for the account. Clearly, this is a problem. My husband is dead, and therefore does live at the address you have on file.

After all calls and messages that I made about the paying off the car, the procedures required by me by GM Company in order for me to get the car back, the car was still transferred to sell at the auction. I did not allow any lapse of time for GM Company to believe that I would not be paying off the car, and therefore, it was unnecessary for the car to go to the auction! I feel that your GM Financial did not follow the Business Code and Practice laws, conducted unethical business practices to me. In addition, I believe that GM Financial performed predatory lending to my late husband.

Nevertheless, I am requesting the following: A detailed and itemized statement of all fees, charges, interest and balances owed; A receipt of payment that I made for $12,021.33; The Title of Vehicle mailed to my address and transferred into my name, which by California Law you are required to do, when provided the proper documentation; I want any fees, incorrect interest charged, or towing fee charge all that have occurred due to your unreasonable policies and procedures to be waived and refunded; Any over payment that I have made returned to me in a form of cashier check; The release of my paperwork from your tow company returned to me without charge.

It is now 9/15/2016 I still have not received a response to my letter requesting the above items, or have I receive the title. I have been told that the title was mailed to me twice and now I have to go to website portal that you can request the title for your car for a fee. Just greed, and something needs to be done for this company to stop conducting business in this unscrupulous manner.

I patiently waited on Monday and never heard from her. I then called on Tuesday and once again was told Victoria was looking into it and she would call me Wednesday. Called back today (Wednesday) and spoke with latter and Elaina Id#**. They both advised that Victoria was looking into it and she would call me back. I asked to speak with another representative and was told no that Victoria was "re-searching'. I asked what they were researching and she said she was re-searching why it was sent to navy federal.

I told her that 5 different times I've been told that the cashiers check clearly shows that my husband Fares ** is the remitter and they have all admitted that it was GMC's fault so why can't they just re-issue a new title. She said it wasn't that simple and couldn't answer my questions that all she could do is send Victoria a message letting her know she should call me and that I was very upset and I would keep calling until Ii got an answer. No one at GMC will help me. They will not let me speak to a supervisor and they won't re-issue my title. I told them I was going to submit a claim with consumer affairs and they said didn't care.

It was so frustrating 'coz they don't have good customer service, sometimes when you call you get from Philippines or India or somewhere but not US. This lady never call me. I asked for a manager above her to contact me. Then the next thing they did was repossessed the car. I did explained to them that I'm the only one earning in the family and have to stretch my budget in paying my bills.

In 2014, I got a notice from the IRS stating that I filed my taxes wrong and that I owed $1,396. After a lot of research I found out that Americredit reported to the IRS that they gave me a "gift" and reduced the amount I owe. I was really confused by all this so I called them and found out that they still have on record that I've owned this car since 2004. Another weird thing was that their records indicate that I owned a 2004 Chevy Malibu. I have NEVER bought a brand new car. I then asked them what address that they have on file. They told me that they have an address that I lived at over 10 years ago.

I asked them why they were the worse collection agency in history. If I owe someone money they have the magical ability to find me no matter where I live, get my current phone number (even though I never give it out and it's not on public records). I confronted the agent about the difference and she couldn't explain why the information was correct. I had them send me the contract, and yes I do agree that my signature is on it, but the information on the contract is wrong. I gave them my updated contact information and I still have yet to get a phone call, billing statement, or anything from them regarding my delinquency.

I also asked them why I would still owe this because I returned the car to the dealership after only 6 mo. They said that they were never told about that, and according to their records I still owned the car. I also checked my credit report. Nothing. There are no loans, car loans, or any company called Americredit or GM Financial. They are basically ruining my life and I have to refile my 2013 taxes and I cannot file my 2015 taxes because of this. If I file my 2015 taxes the IRS is going to take away my refund because according to them I owe money for 2013 taxes. Plus I never got a tax form from them stating that they were giving me this credit.

I'm stuck and now I need to also file bankruptcy and put them on there even though there is no record of me owing this money. These people are crooks in the worst way. All the research that I've done has led me to find out that they do this kind of thing all the time to people. These people may or may not actually have loans with them but it causes a lot of people to owe money to the IRS because they decided to give this "gift". Also Americredit didn't send this info to the IRS until June of 2014. How on God's green Earth am I supposed to know that I got this "gift" if my taxes are due by April 15. My words of advice, if you get documentation from Americredit that they bought your loan, REFINANCE immediately. This company needs to go out of business. Their business practices are not legal.

After no return follow up over a week later as promised and long times on hold.. they tell me I owe the payment because from 'what they could tell' I missed a payment back in February 2015. I got the payoff amount in January and sent just that... No less. No one ever apologized or cared if I was satisfied with GM. I definitely would not recommend them. Not to mention I was quoted a car purchase price of approximately $16,000 at the time I paid off the remaining lease payments and now the purchase price changed to $19,600.

IN MY CASE MY MONTHLY PAYMENTS ARE $50 MORE THAN I AGREED TO. The front of the lease states in Section 13, "The total amount you will pay for official and license fees, registration, title and taxes of the term of your Lease, whether included in your scheduled payments or assessed others: $981.41". Then I got a surprise bill for over $688 on top of that. Upon calling GM Financial they claim the bill was for property taxes even though the contract clearly doesn't state that they aren't already included in the $981.41. They then pointed to fine print buried on the back of the contract that said I was responsible for property taxes. I asked why that wasn't included in the estimate on the front of the contract and got no answer.

Perhaps the most disturbing part is that they blamed me for not knowing that I would be deceived. That I should have known that what I was told wasn't true and I should've asked. They then told me I should take it up with my local tax collector. Stay away from GM Financial and perhaps GM in general. They will do anything to close a deal even if it means deceiving a buyer.

I obviously started panicking... I thought my first payment would be automatically withdrawn from my bank account. I never received an email or phone call that I missed a payment and now I'm technically 20 days late! I just did a one-time payment using Western Union, but now I'm very upset and worried about my credit score and the interest on my loan. I guess I thought it would be common sense for a business to send a communication to their customers as soon as a payment is missed. I'm really hoping they will "forgive" this incident for me, as it was my first payment and I've never been late paying any of my bills - ever. Ugh. Not cool.

When the Debt Collector came I told him that I would be charging for my time and expenses and duly sent to GMAC a Notice of Intention to charge with interest @ 4% per month. They later de-instructed Shoosmiths and I kept receiving default letters which meant they were taking no notice of bank statements or their Solicitors. Shoosmiths admitted that they were not responding to their letters either. Got a letter at the end of November 2015 demanding payment for 4 months and fees of £350.00. Sent bank statements showing 2 payments made and pointed out that the 2 other payments they were asking for were clearly shown as received on THEIR history of payments received and I asked for a breakdown of the £350 fees as I hadn't had one. I submitted my invoice and also enclosed a copy of my Notice as I felt that if they had destroyed the bank statements they might well have destroyed that letter too.

These docs were sent by Special Delivery on the 8th December and they received it on the 9th - somebody called Dibbs signed for it. As I had been given the wrong tracking code, I re-sent them by fax thinking that Royal Mail had lost the correspondence so they have received everything twice. To date I've not heard a word back. Does this come under the Fraud Act or fraud under the Consumer Credit Act as someone has had my money. I want to write to them once more before going to my Solicitor so any advice as to what to put please would be most welcome. I've come to the end of my tether.

Hmmm. I have called GM financial close to ten times since the loan has been paid off. I am entitled to the title, right? I keep getting the runaround! Bs after bs from their phone representatives. "It is in the mail! Your title was mailed in October!" November's story? "Oh, sir. It was mailed nov 10th!" Let me ask, is it being mailed from the MOON??? There has to be a law or some sort of legal action I could pursue? This is bs! That company preys on ones who slipped financially. And can't provide what they should. If I screwed up, they would repo the car, right? Play fair GM financial! How would you feel in my shoes? What if I was the bank and I held your cars title hostage after you paid the loan off? Very Shady!

So in other words, they spoke with my supervisor, whose company is listed and the phone number has been on its site for YEARS, and they still said the stubs were not correct. Not only that, they forwarded an employment verification form to her, which was not legible, with my signature. I never signed it. It was a copy and paste situation on THEIR behalf. Before this company decides it wants to tarnish a person's name, it needs to make sure their facts are in order. An owner of a company is NOT going to stick their necks by providing false information to a finance company for one of its employees.

Each phone call to them ends in frustration. They are slow to give answers. They are slow to send payoff requests. Even though it is the "loss mitigation" department, they will not discuss cash settlement offers until the loan has been in default for 12 months. I had another department tell me there was no record of us having any conversations with them since the wreck, which is not true. We have been approved for a new loan at a much, much lower rate by more than one lender. They need to know the resolution on this loan. They all say the same thing. GM Financial is a nightmare to work with.

I lost my insurance coverage on the car but recently got a new insurance company which was cheaper than what the dealership gave me to begin with. And as I woke this morning which is Sunday Sept. 20, 2015, around 8:15 am my car was parked in the rear of my apartment complex like normal but when I was getting ready to leave to go to the ER for an allergic reaction, my car was gone and that was 3 hrs after I first saw it outside. And I've tried calling GM Financial to see where the car is located since my personal items are in the car but to no avail. I can't contact them since it's Sunday and they're closed. Now I have no way to work being that I work nights and public transportation stops at 12 midnight and my children have no way to the doctor's office tomorrow since they have pink eyes and can't return to school.

Payment is later now but never has been 30 days late, even with no groceries in the house and the electricity close to being shut off. We have worked too hard to let our credit take another hit so we are doing everything we can to keep the account current. I would give anything to have been able to wait a few more years and gotten a loan from a reputable lender for a car for our family. But live and learn I guess. STAY AWAY from them. We have been approved to refinance through other lenders, but because of the high interest are so upside down we can't get out. We are stuck.

Then in November of 2014 and I get a letter from the IRS because I hadn't filed an amended tax return for 2009. Now, here we are in 2015 STILL fighting with the IRS because they say that the $28,000 I owed to AmeriCredit should have been added to my income. Never do business with this company. They will ruin you financially. When a person can no longer afford to pay for a vehicle or anything else due to catastrophic circumstances to back-handedly turn in something to the IRS like this is the lowest form of deceit. I realize there were pages and pages of documents to sign when taking out a loan for a car, but to demand that even if you have to return the vehicle due to the inability to pay is unfathomable.

Granted I did fall behind one payment and it was going to take me three months to square up I had good intentions and the vehicle was almost paid for - seems they weren't very upfront about the seriousness of the situation. I had four and half years of paying my payments on time and they definitely made all kinds of money on the interest they charged me. You think some type of letter warning me that I was in danger of repo would be appropriate in this situation. Only reason I gave two stars is that the lady I worked with to get the car out of repo was very nice and seemed genuine. As for my credit it took a hit and I have been driving this car to the ground before I even think of trying to get something newer. Left a bad taste in my mouth and now to see GM has taken control of the company what a great fit considering all the delayed recalls.

They said that I owed them $10,851.56 if I wanted to keep my car. Well I didn't have that. So in 2013, they repossessed the car and got $2500.00 for it and now they are saying that I still owe them 8000.00. They charged the car off on my credit file. I don't want to file bankruptcy again but they are like loan sharks. What do I do!!! They are trying to get more than the car was worth from the beginning. The Net principal balance was $7,569.55 and they got over $6000.00 in the bankruptcy. I need help and I don't know where to turn.

After about 6 faxes, I finally got a call from the repo company and GM that I don't have to pay the fee. However, GM is requesting that I leave the vehicle keys with the repo company for them to release my personal property. Lucky for me, I recorded my conversation with the repo company as they stated that I have to drop off the car keys to get my personal property. They finally allow me to pickup my personal property.

Now GM Financial is saying that they will have to repo company cut a key so they can auction the vehicle. I remind them that they agreed to reinstate my loan if I pay the past due balance, late fees and repo fees. Therefore, they cannot change their mind about reinstating my loan. Throughout all of this, they are only communicating via phone, so I started to record all my conversations. I let the rep know that the conversation is being recorded (legal requirement in most states) at the beginning of all conversation. Also, I follow up all conversation with a fax and email. I just sent the reinstatement department a fax requesting they confirm the amount and the payment method. Hopefully, then will reply via e-mail or fax so I will have something in writing. If not, I will be recording our conversations. I will return with my updates after I talk with the rep tomorrow...

I was continually redirected to the Reinstatement Department each time I called. No person ever answered my call in the Reinstatement Department (just an automated system saying to leave a message) and no person in the Reinstatement Department ever returned my messages. Finally, after about a dozen calls, a customer service representative informed me that the Reinstatement Department only has 8 employees, is a very busy department and my call would be returned in the order it was received and by priority. My concern is that there is no Reinstatement Department because in 8 hours yesterday, no one answered the phone or called me back. That seems impossible even with only 8 employees.

I want to pay the amount to bring my payment current along with all the fees I know have been charged to me due to the repossession so I can have my car returned to me. I have someone willing to help me out but I can't reach anyone at Americredit/GM Financial's Reinstatement Department. If my car is sold before I can reach someone to make arrangements, I will lose my job and thousands of dollars I've invested in school because I will have to withdraw. Not to mention all my personal belongings in the car that I can't retrieve because I have no idea where my car was towed. What can I do if no one returns my call or answers the phone on Monday in the Reinstatement Department? I've never had a car repossessed so this is foreign territory to me.

Had I known the economy would make a spiraling pitfall, and that I would pay over $18,000 for a used car, never ever would I have bought the car. The government has bailed GM out. GM is Americredit and has deceived many Americans like myself. I am so angry. They sold our jobs overseas. They fraud the American people and our government bails them out? Something should be done about this. Living paycheck to paycheck and unable most times to put food on the table, I will not be able to afford a lawyer. President Obama, THE AMERICAN PEOPLE NEED A BAIL OUT!

Due to my circumstances, I had no choice and paid each time the same amount. I was advised that when my next payment was due, it would be applied to my loan as normal and I was okay with that. Okay, after all that, I financed my loan in Aug. of 2006. Here it is March 2013 and GMAC is stating I owe close to a $4,000 balloon payment because it is a daily simple interest loan in which I know the type of loan and was never advised of this information prior to to 3 months ago. I have talked to customer service requesting to speak to a manager. I was advised none were available but I could leave a voice mail which I did.

I never received a call back. I called back asking for payment research to review my payment history which I still have not received. I did about a year ago and I did receive that one from Americredit and saw the 3 payments that went to interest. I have been advised on one phone call that this balloon payment was interest. Then I was told it was principal; then I was told it was principal and interest. I asked them over 20 times to please research the account from day one and requested yet again for a complete payment history with the $352 payments included and that was 2 weeks ago.

I have emailed them numerous times without a response; besides, the automated response was, "We will get back to you." I have over 50 emails saved on my email account where some received responses such as, "Thank you for your request", "Please call after ..." I had already stated I had called on several occasions. I am not having Chase and Bank of America send me all of my account histories since Aug. 1, 2006 until present to go to a lawyer to fight this matter because it is unfair to anyone to go through this.

I deal with daily simple interest mortgages, the same type of loan, just one for a house and one for an automobile. When a customer is late, the next statement you receive reflects the higher balance due to the incurred interest for the days they were late. I never received a statement reflecting this information. The other thing I have had issues with is the website for GMAC showing my account details; it reflects totally different amounts owed along with how many payments are due. I brought this to their attention and was ignored by 5 reps who stated, "You owe what our system says you do." I asked if the website is part of their system since they receive my payments through there and they stated yes. So I asked, "Why isn't it reflecting the same information?" And I did not get an answer. This is a horrible company and I am now seeking legal action.

Something is very wrong. They are telling me I can pay off the extra $900 or so dollars but that would put me in the same situation with more interest on something that I should not even be paying for. This loan was for 72 months and they are also telling me I have to pay for 79 months. I do not know what to do. All I want to do is make my last payment and be done with these crooks. I have already paid for 70 months and cannot understand why after my last payment, I would still owe them $900. Something is wrong and I don't have another $900 to pay them with interest. This is just not fair. I don't know where to go from here and need some advice.

Today, I am upstairs in my home taking care of my sick two year old and I hear my alarm going off. I thought someone was trying to break into my car. It was a repo company. They gave me no information, no papers, and just took my car. They threw my possessions by my front door and left everything there. My son's car seat, stroller, everything. I was in disbelief that this was happening. They didn't have me sign anything, show me anything, etc. I called GM and they said my current balance was $1,613 and I could make a payment via debit. I told the representative that they just sent someone to my house to repo my car! How could he not know that? I then told him that I need to be transferred to the department that handles this. I have been trying to call for the last hour and no one is answering. I have left numerous messages.

After reading all your posts, I am terrified that this is just a ploy to get more money and I am going to lose my car. I don't have thousands of dollars sitting around to throw into this car. I am now seeing that this company appears to not want to work with people, and I may lose my car. Thankfully my husband has a car and we aren't stranded without a vehicle being we have two kids. Can anyone offer any advice?

The car was only $13,000 before I financed with a trade-in. I am late on July payment, which I am paying in a few days. Please help me to keep my car. Please give information asap on what can be done.

I sent them a copy of my returned plates and vehicle over 3 times, because every time I sent it once the next time I called they say they never received it or it was "misplaced". I said I am more than happy to pay for the 2.5 months of taxes I owe, but not a full year. Finally, they said they would submit it to the town for a refund. Any time I call them, all they do is talk down to me and tell me it’s out of their control and will not help me in any way. This battle has been going on now for almost a year! I even wrote a letter to the president of VW for help and it goes to show they didn’t read my letter as they wrote me back saying I am on my own and gave me the wrong phone number at the wrong leasing place to call. I would never work with them again!

It was a beat around the bush discussion with comments made that some people don't know what they are getting into? Etc, etc... And he also turned my request of an explanation of what I owe into a request of payoff. What a detour from the issue, I'm soon to be stuck with, I'm sure. Anyways, it’s very unfortunate for all of us who are trying to continue to pay on these accounts. I'm definitely expecting to lose this battle, but I'm going to do my best not to.

So now, a year after, it is all said and done, I get a call from a debt collection agency. Americredit has reported me for the overdue/non-payed loan of $3,337. I am not freaking paying for that car again. And of course, Americredit has no records of us paying it off and we've since changed banks and therefore have no records either.

Where did that extra thousand dollars come from? They said it was interest on 2 months before we could pay the van off. There was no help from them in anyway. I was told that I could let it get repossessed, and sent to auction, and pay the difference from what it sold for. What a joke! I ended up paying almost $40,000 for a pre-owned vehicle that I financed for just over $21,000. Boy, did Americredit get their money, and from what I hear, this is general practice. If the goverment wants to get so involved in the running of this country. I let them give the people some real help against companies that rip off people so blatantly. I believe in making a profit, but this is greed, and way over the top. I will tell everyone I know not to ever use Americredit.

I received a call from Car Dealer stating they wanted us to return vehicle stated loan had not been approved and that they would have to put car in both my name and my daughter which is my durable power of attorney. I am handicapped and unable to drive, she is my 24/7 provider who makes all my decisions due to my condition and vehicle is mine, they used my credit and I am paying car payment and full coverage insurance. They said we keep it rate would go up to 21.99% or return it. The original term and conditions was 11.99 %. I believe we fall into bate and switch law including other boundaries and scams that dealership is currently doing to us this now includes threats to personal references that were given to them on the application.

AmeriCredit was faxed the full coverage insurance 3 days after the purchase so we have complied with their terms. They also had stated the vehicle was in the shop when we called and said my daughter was on her way to go pick up car and that roof was being fixed as it is a convertible and was being washed, waxed and gased. When she arrived to pick up car it was filthy, not gased and roof did not work? they stated that roof had a recall and parts would be ordered and they would call us and would not charge us.parts apparently is in so instead of calling us they are calling all our references and threatening them? we gave 5 references they called all of them? Why?

They call nine to 10 times a day and even call other phone numbers if I call them on it and demand to speak with me. In April 2011, I lost my job I had been at for 10 years. My loan with Americredit was due to mature on 5/12/11 and I had three payments left to make. I pulled my 401K out and made the very last payment to them on 5/9/11, which I had made 54 of 54 payments on the contract. I was told that I would be notified of any balance.

I was sent a letter in the mail that I owed them $2500 more with no explanation, no detailed statement, no payment plan. I was told I had 120 days to make the payment of the balance in full by 9/12/11 or it would be charged off on my credit and I will never receive my title until I pay it. I continued to receive calls, threats of repo, charge off, no title and rudeness from every rep.

I went online today to look at my account details and there is a different amount that I owe them now, it's $2731.97 and a payment coupon of $179.70 monthly due by 5/12/11, which I was never told about or offered to. I was told to make four payments of $625 by 9/12/11 and that would satisfy my loan.

I will never recommend them and they should not be able to harass anyone like that, especially after they have completed the contract terms and now you want more money.

We explained the situation to Americredit and worked out a deferment that was for a 2-month span, which for a 5-year loan is not that long. Pretty much the day the deferment ended, they were calling, and I don't mean just once or twice a day, we are talking as many as 9 calls in one day.

They finally said the car was slated for repo and I did not argue. The repo people however, never showed up and I received several more calls telling me it was in repo. Finally, we were told that my workers’ compensation would be reinstated and we made a large payment to Americredit, which was supposed to get us flush. Instead, they chose to apply part of it to interest.

We continued to receive several automated and manned calls a day, until finally, I was told by one female representative that she saw the problem and would fix it. This "fix" did not happen as we continued to get many calls.

Finally, after we were told by one rude rep that she was "not going to invest time listening", I spoke to a manager named Tim, who we set up another payment to cover the "owed" amount and the next month’s payment.

The very next day after making this scheduled payment, we still received multiple calls. It's bad enough that we hate the car, the loan terms are ridiculous and that the only reason we got it was that we needed a reliable vehicle for our family. But to be continually harassed on a daily basis even when we have caught up, it's enough to make you want to scream and cry.

Yesterday, I was declined a deferment due to failure to provide different personal references. I have filed one deferment in the past with this institution and the personal references for that application still exist and are credible (immediate family members, all individuals are alive). The reasons given to me for rejecting my application are "you are not giving us different references in case we are not able to contact you directly, the references you have on file are not good enough, you are not being cooperative and wish to give us what you feel like giving us, these are the terms for this deferment, we can't help you if you can't give us better references."

The reason for failure to make payments in a timely matter stem from my existing employer's inability to provide me with full time employment. In the past three months I have communicated this with my lender, placing phone calls every two weeks and making payment arrangements. Throughout each phone conversation, none of the customer representatives have suggested a deferment. Therefore I am accruing fees to my existing loan (e.g. late fee for being late on payment more than 10 days, late fees for not paying minimum amount monthly). This is gradually increasing my principal balance and ultimately hindering my ability to pay off my debt in a reasonable amount of time.

I called and the extension was approved. I paid the amount identified as instructed by the customer relations individual and thought everything was okay. I later received paperwork in the mail that required my signature for the extension, which I signed and returned.

I have recently discovered my credit report has been reported 30 days late for this payment and ALLY(GMAC) states the payment was not late, but the paperwork I had to sign was late. So they can not remove the 30-day late from our credit reports.

Suspect's application states he's self-employed and makes $45,000 a year as a tattoo artist. Hard to believe he could get a loan for a Cadillac Escalade.

I did not find out about this until 2011 when the IRS audited me asking me to claim the $13k cash used as a down payment. I investigated this and was lead to Ally.

Since January 2011, Ally has done nothing but given me the run-around. Claiming they only deal with the dealer, not customers, they had no knowledge he was using someone else's SS#, etc. They did not do their due diligence and claim they don't work that way. To date, the IRS is holding my 2010 tax refund and Ally will not respond other then they are not liable nor responsible. They state they have tried to repose the car but cant find it. I spent my own money to locate it, although they could ask On-Star to help too. Ally overlooked this one, didn't do their job and is big enough to screw the little guy.

Ms. ** at Ally is useless and uses the same letters over and over when I make complaints. I will no longer deal with her and will email executives at Ally until this is resolved.

Within three days, they started calling and threatening me with repossession of the auto. No one would listen, no one would help. They called me and left messages all day at least 5 to 8 times a day. I just don't even answer anymore for I am sick of their rudeness and all they want is money that I do not have. I need automobile to seek employment but I'm ready for them to just come get it and let the harassing phone calls stop.

She continued to go into detail about my personal debt with their company; telling my mother that I was several months behind on my auto loan, and other personal information that only the loan holder (me) should know details about.

I tried to make a payment to Christina in the Canada office, but she kept trying to push my payment behind which would extend the loan for several months more. I explained too that I wasn't interested in that and I just wanted to make a payment. She persisted without taking "No" for an answer. Later the next day, I checked my account and found that they deducted the payment which kept me 60 days behind. But I was planning on paying off the loan and had asked for a payoff statement.

This is what I believe a problem--an illegal repossession of my car. On Friday, the 22nd of April, my car was taken in repo by AmeriCredit. I know I have a contract which has only 18 months left and of which I was not aware that I signed a 7-year car note. I went and paid the amount they said that I owed and gave them two references and had my Insurance send over a copy of my coverage.

I lost three days of work and countless sleep, because there were tire marks on the pavement which tell that my car may have been damaged. And still, AmeriCredit will not release my car, saying that they never received the fax from my insurance. I've called my insurance several times and have confirmation that it has been sent. Why won't AmeriCredit release my car? it costs more for storage fees which I cannot afford.

Our disability Insurance, bought with the 2006 Chevy Silverado, covered in case he become disabled and/or unemployed, and both things happened. I feel they are not crediting those payments, that the insurance paid and they are not responding to the certified mail we sent, requesting and resubmitting all the payment records they have provided us with (insurance). Please hep, as I understand California has won a class action suit against GMAC for wrongful repossessions on California residents.

I am disabled and have been diagnosed with fibromyelgia and rheumatoid arthritis. I have had to go on the bus at 6AM, and my spouse, the signee on the contract with GMAC, receiving her unemployment checks since May 2006 through September of 2007. She was disabled from February 2006 through July 2009. We have lost everything, due to that fact that we had no transportation, and were not advised of anything being wrong with the account, until the vehicle was repossessed!

This is the first time I am being made aware of this claim. There was never a mention in the monthly statements or during any of our verbal conversations over the length of the loan. It's been implied that I will not receive the pink slip and my vehicle is subject to repo if this amount is not paid in December. My question is, do I have any recourse at all? Also, my original contract is faded and not readable, and this finance company is not the original company. They sometime during the course of the loan, purchased Long Beach Acceptance Corp. which is who I financed the car with. Thank you.

Americredit has dismissed my concerns because they use a computer to allocate the funds; thus, no person is responsible for the mistake since no person actually allocates the payments. The actions I have described from Americredit are harmful to my credit, since they will not hesitate to report "past due" balances. Further, Americredit is harming my well-being as I constantly have to argue with unprofessional people who do not give a ** that the company is committing fraud.

Now my other bills are piling up, and I've decided that I need to make sacrifices in order to make ends meet, considering that AmeriCredit won't help me. Instead making small adjustments so I could pay later, but added on the late fee instead, which doesn't help my current situation.

I decided that my vehicle needs to go. I managed to find a potential buyer, and everything was looking good. When I called AmeriCredit to let them know what's going on and allow them to do a credit check on the new buyer, AmeriCredit denied it before I could even pass the phone over. They're saying that I'm not allowed to sell the vehicle to anyone unless it's been completely paid off first, even though they know about my financial situation.

Due to the economy and hard times, I lost my job and now stay home to take care of my kids. My husband still works and we have made a few late payments but last month, I called to make a payment and they told me that the payment would be for the 8th of Oct. But instead, they took it out on the 8th of Sept. which caused my checking account to go into the negative and bounce my mortgage payment. So now, my house payment is behind and I'm stuck with late fees on it and the fact that this company can get away with all of this is appalling to me. If a normal person done business this way, they would be shut down. That's what the government needs to do to this company. I think that everyone suffered from the economic crash and for companies to operate like loan sharks is only going to keep people in debt. It's a trap you can't get out of.

All conversations with Ms. ** were via speaker mode so all three of us would be clear as to what was discussed. In our initial discussion Dana advised Blake that he was 82 days delinquent and that a repossession order had been issued. Blake educated Dana to the fact that he had previously contacted AmeriCredit as soon as he was downsized (approx. March/April) and tried to refinance or modify his monthly payments in an attempt to work with AmeriCredit to avoid delinquency.

Blake was told that AmeriCredit does not refinance loans and that the only option available to him was to defer his delinquent payments and remain current on all future payments. Dana even acknowledged that until Blake became unemployed he was in good standing with AmeriCredit, but that she couldn't discuss our options until she had the location of the vehicle.

I explained to Dana that I wanted to ascertain what our options were before divulging the location of the vehicle because repossession might be a mute point as Blake's father, step-mother, myself and my husband were looking into the possibility of satisfying the balance of the vehicle or becoming current, but needed more information, including balance owed before making that decision. Dana's demeanor and voice became hostile as she kept pressing for the location of the car before any further discussions could take place.

I also explained to Dana that my past experience in former positions as a Director of Sales and Marketing and Senior Account Executive, afforded me the insight into her attempt, but ill applied use of strategic maneuvers utilizing canned dialog, repetition of company protocol and constant side-stepping techniques. I requested that she take a step back, calm down and remove the hostility from her voice/antagonistic attitude before our conversation could continue. I asked several times to be elevated to her supervisor as I felt her attitude (though Blake and I remained calm and even-toned) hindered our successful communication.

Dana refused and stated that she was the agent assigned to the case and that her status as Assistant V.P. was as high as we could go. The only information we obtained from Dana during that conversation was the balance due, confirmation that AmeriCredit does not refinance loans, that the delinquent balance would have to be brought current/or deferred, and that future payments of nearly $500/month would have to be made on-time, and that no other options were available to us other than payment in full to satisfy the loan. I then ended the conversation by advising Dana that I would discuss the options with all parties involved and contact her. She gave me a deadline of 5-business days to do so.

On the 5th business day, I received a voice message on my home answering machine from Dana asking us to contact her. I was furious as we have outgoing ID-blocker on our phone so Dana should have not had access to our home phone number, nor did I divulge our address/telephone number to her at any time. I returned the call and left a voice message stating such and that she did not have my permission to utilize my home phone in the future. Blake and I called Dana back the next day and informed her that we had an appointment the previous day with a Bankruptcy Attorney (true fact) and due to Blake's homeless and unemployed status, we felt he had no other recourse than to file bankruptcy due to AmeriCredits company policies. Dana's response was, "we'll see how the Bankruptcy Judge rules".

After that rude remark, we provided Dana with Blake's new address here in Colorado and gave Dana the physical address of the vehicle. We requested the name and phone number of the repossession company so we could cooperate fully by personally contacting them, provide them the code to the key less entry door, location of the keys inside the vehicle, and exactly where it was parked for easy access. After providing us with the repo company's information, Dana asked us to provide her with our Attorney's information to forward to her legal department. We declined so she hastily ended the conversation and hung up. We immediately contacted R.T. Towing at 808-885-4488 and provided them the information noted above.

I was infuriated with Dana's continued hostile and rude attitude and the way she ended our phone call so after our conversation with R.T. Towing, I called AmeriCredits Chandler location, asked to speak to Dana's direct supervisor, and was transferred to Mr. Erin **. I explained to Erin that I wanted to lodge a complaint against Dana and then went into detail about her deplorable and unprofessional conduct. Blake and I had a lengthy conversation with Erin and requested that our detailed conversation be noted. I also suggested that if the company keeps recordings of customer/agent conversations, that he access the tapes to substantiate our attempts to cooperate in a calm manner, and Dana's continued rude and unprofessional behavior.

I am amazed that Dana's tactics, coupled with her lack of any sort of feigned compassion or empathy, have been rewarded by elevating her to the Assistant V.P. status she holds with your company. I explained to Erin, as I had to Dana, that we (Blake's parents and step-parents) wanted to explore the possibility of a reduced pay-off amount to satisfy the loan in lieu of filing bankruptcy. Erin explained that it is not AmeriCredits policy to do so. I proposed an amount of approximately $7,000 (blue book value of the car is only $10,000 even though the balance was $14,593,37) as it would likely be more than the company would receive at auction and was all that we collectively could afford at that time. Avoiding a bankruptcy filing would benefit all involved. I asked Erin to elevate this request accordingly and let me know if it would be considered.

We also provided Erin with Blake's new Colorado address and e-mail address as a means of communication because Blake's cell phone was soon to be terminated. I advised Erin that we would continue exploring avenues to become current or satisfy the loan in full. Erin assured us that we would receive written notices of redemption/sale and a specific amount of time to cure the delinquency prior to the sale of the vehicle. We received no such notices to the Colorado address we provided. We appreciated Erin's explanation of the repossession process/procedure including the written notifications involved. We had previously requested the information from Dana who declined to respond. We thanked Erin for his cooperation and time. I applaud and would like noted, Erin's empathy, compassion, and professionalism.

He extended dignity, courtesy and respect to Blake during these hard and humiliating times. Erin made us feel that he truly understood that everyone falls on hard times, but that the destruction caused by those hard times does not define the person. As noted in the body of this letter, we provided both Ms. ** and Mr. **l with Blake's new Colorado address (**, Colorado) upon disclosure of the vehicles location; prior to the date of the Explorer's repossession. Unfortunately the change of address apparently was not noted in Blake's file as the notice of right to redeem and notice of our plan to sell property were mailed to an obsolete address, which in turn was forwarded to another obsolete address, and did not reach our possession until well past the sale date of the vehicle.

This oversight by AmeriCredit (and possible sabotage from Ms. ** due to our direct complaint against her) precluded us from our lawful right to redeem or become current in payments prior to the vehicles sale and therefore negates any outstanding balance due. We have filed a complaint with the Federal Trade Commission and intend to elevate this matter to be investigated for lack of due process, malicious intent and possible class action suit if similar complaints have been filed. We understand that you have a limited amount of time to acknowledge our complaint and expect a prompt response outlining the intent of your actions including collection proceedings or dismissal. I have received a letter from the Legal Department of AmeriCredit stating that they "would like the opportunity to address the concerns stated in the letter, however more information is required.

At your earliest convenience, please fax a signed letter of authorization from our customer to discuss the account. Upon receipt of this information I will research this matter". I appreciate this gesture; however, I was denied due process and I lost my car. Now I face the possibility of them pursuing me for the outstanding balance. Their company policy of non-modification (even after my contacting them immediately after the loss of my job) proved to be pointless/fruitless. That coupled with possible sabotage from the "agent" warrants research and repercussions. How many other "clients" have they done this to??? Thank you for your consideration!

They even told me one time this was "my problem" to work out. Well, within a few days I decided to file a complaint with the Texas Attorney General's office and included the name of the lady that said it was my problem. Then I sent an e-mail through their website to AmeriCredit to tell them what I had done. They promptly corrected their records and I have had no more problems with them.

Put it this way, if you were a finance company and your customers were delinquent on their account, what would you do? Exactly, you would try to get your money or at least some of it back. Unemployed, sick, off of work and no work hours, cut? In life there are no excuses, only results. Budget! Save money! If you know you have a note due, why would you go shopping and blow half of it off? If you are unemployed, hurry and find a job, maybe? I think it is funny, don't get me wrong, but society has a way of "milking" the government. The unemployed people just accept it the way it is and just keep on taking the unemployment instead of looking for another job.

When people find out they will make less then they did before, they always turn down that job. Keep in mind you can only get so many extensions on your unemployment. For the ones saying, "I was sick for a week and cannot make a payment because I was off work," that is a [lie]. Ever heard of sick time? If you haven't, well, you get paid for the time still. Like I said early, there are no excuses in life, only results.

What the 60-day extension would do was put the October and November payments on the end months of my account. I was told to call after submitting this payment to ensure that the extension would be applied to my account. Hearing this and agreeing to take the extension, I submitted a payment of $500 on November 18 to cover for late charges for my October payment and to obtain my extension. I called during the process of wiring my money via Western Union to ensure that I'm sending it to the right place.

When I called and got connected to a representative, the representative I had spoken the week prior, Bill, wasn't at the extension he provided for me to reach him at. This time I was in contact with a lady, and we talked through the process. I made mention of the 60-day extension that Bill said I could obtain. She was very polite with handling the account and stated that she'd note on the account for my extension to take place.

Thinking everything is "Hunky-dory" (going good), I get a call from a GMAC rep named Ernest **, the week prior to December 16. He wanted to know how come I haven't submitted a payment in December. I then relayed the information to him from the conversation between me and the representative Bill. He then proceeded to say sorry for the misleading information provided by their representative, but I was ineligible for a 60-day extension, because I had received a 30-day extension in February earlier in the year.

He then said I needed to come up with $218 for late charges from October. The initial plan was for me to pay the $218, and they'd work with me for the December and January payment. And then, I'd be eligible for a 60-day extension in February.

Very bamboozled and aggravated at this point, I decided to gather the money and send it in. I sent a money order for $219 on December 16 to the mailing address provided by GMAC's automated voice, which is located in Louisville, Kentucky. As a follow-up procedure, the rep called a couple days later to see if I had sent the money, because it had yet to reach them.

Unfortunately, the money hadn't gotten to them yet, and the rep was beginning to grow impatient with me and proceeded to ask for me to send an additional $218. I told him I had no way to come up with the money and told him to check the location where GMAC's checks and/or money orders are to be sent to. He replied, "That is too long of a process." Very infuriated with me, the two of us then just get off the phone without resolving anything.

So, time went by, and on January 5, 2010 at 12:10am, a guy was knocking at my door and said he's the repo man. He has my 2007 Impala hoisted up on the tow truck already and let me get my belongings out of the car before towing it. I told him my predicament, and he said, "Between me and you, GMAC are idiots. But don't tell them I said that!" He then said, "Things like this happen all the time, but you could call them (GMAC) in the morning, and they'll probably release the vehicle if you tell them what you just told me." Then he drove away with my vehicle on his tow truck.

I called GMAC the next morning and asked to speak with a manager and was transferred to speak with a Jacob **. I then proceeded to again regurgitate the information from previous conversations I held with Bill and Ernest **. He started getting very ignorant and rude, because I began telling him that his rep was at fault for giving me misleading information and having me thinking one thing when it's another. He then crudely stated, "Our rep isn't at fault. You just need to accept responsibility for your actions." I then told him I could have done something, if I had known from the beginning that I wouldn't be eligible for an extension.

The conversation was then ended after that. I called back to speak with another rep and was given a number to what's called their "redemption center," because they're no longer handling my account at the bank, and whatever. I then called the redemption center to complain about the situation, and they said they couldn't do anything about it, because no payment had been posted to my account. Then I finally got to thinking to find my receipt from the money order I sent. I searched frantically for the money order receipt and found it, to call the place I purchased it from.

After getting connected to someone, I gave her the money order number and the amount of the money order. She then told me the money was cashed and cleared on December 28. I then asked "where," and she said I had to come in person for that info to be relayed to me. After bumming a ride to the Currency Exchange I purchased the money order from, the lady printed out a copy of the front and back of the money order to show where it was cashed.

The lettering of the stamp that was used to stamp on the back of the money order was illegible, but the lady said, "it appeared to cashed at a bank, but I can't tell where." So there's a towed car. GMAC still denying any payment being posted to my account. But there's a cashed money order and a distraught individual without a car who has to bum a ride to and from work and has to cancel his classes for the Spring 2010 semester, because he has no one to take him to the university he's attending 35 minutes away in Hammond, IN, and he's living in Joliet, IL!

During the 6-month period which she was in and out of the hospital I contacted AmeriCredit and advised them of my mother's rapid deteriorating state. The cancer had traveled to her head and she was deteriorating rapidly and her mental state was also deteriorating rapidly. I faxed a written request to provide me with the payment information so I could continue making her payments on the vehicle.

AmeriCredit began taking my payments and suddenly decided they would no longer accept payments from me. However, AmeriCredit continuously called me to my personal cell phone and my place of employment up to 20 times per day demanding to speak to my mother. I would continuously advise them that my mother was terminally ill but they on many occasions told me that I was lying to them and that I needed to put her on the phone. I would tell them that I would be submitting her payments AmeriCredit would continuously tell me that they would not be accepting them.

My mother finally passed away from her cancer in January of 2009. AmeriCredit continued to contact me and I then refused to talk to them since they had refused to talk to me during my attempts to assist my mother. They would tell me that I was lying and that my mother had not died. They then began calling my place of employment numerous times even asking to speak to my immediate supervisor and the main boss. I was pulled into the office by my supervisor who advised me that a lady from a company AmeriCredit was continuously calling.

I advised her that I owed the company no money, and the account which they were referring to belonged to my now deceased mother. I felt I had no obligation to them since my name nor signature was on the contract. AmeriCredit continued to harass me calling me 20-30 times daily and even called my sister and offered her $200 if she would give them my address. Since I did not owe them a dime and I never signed a contract with them I am having a hard time understanding why they would go through extreme measures to collect something from me which I did not have. They were very crude at the statements they would make to me and tell me that I needed to tell them where the vehicle was located.

At this point I had no idea where the vehicle was, I simply assisted my mom with payments in her time of need. I didn't feel I was financially obligated to AmeriCredit once my mother passed away. I was threatened by this company so many times and the calls to my place of employment continued 10-15 times per day. Can a company do that? Harass a person who owes them nothing as much as they harassed me? My reputation at work was damaged. The representative was persistent and lied to my supervisor and advised her that I was not paying my debts. I never owed them anything. The embarrassment that was caused to me has caused irreparable damage to my professional status. Receptionists and coworkers all received numerous phone calls from this company looking for me when I owed them nothing. Not to mention my sister being bribed. Can companies do that? Bribe people like that? I am appalled at the things corporations get away with and it seems like we can do nothing about it.

Instead of just paying the $150 on the 6th of December and the balance afterward, I am now responsible for over $1600 in repossession fees when I was lied to. I cannot afford this in any way and I have mental anguish from this. I didn’t sleep all night and I wasn’t able to take my baby to the doctor, my older child to school, or go to school and work myself. I am going to lose class credit behind this and possibly lose my job.

On 11/17/09, Tuesday, the truck was taken from a friend's driveway where I was the night before. When I realized what happened, I paid the full amount on 11/19, Thursday by Western Union Quick Pay. Per the Western Union rep, the Americredit company received payment within minutes. Justin refused to process the release of the truck and insisted that is company policy. Now 3 days later, I still have no truck release and storage fees are accumulating. After reaching someone in the charge-off department, they are still claiming the truck may be released in Monday, 11/23. I guess that remains to be seen.

Well I contacted Americredit once again to let them know I now have no job and was waiting to hear from unemployment. The rep I spoke with was rude, had a horrible attitude and told me when I find out about how much unemployment I get, I need to inform her with that information and maybe I need to return the car to them if I can't make the payments! How rude. She made no apologies or showed no sympathy for me losing my employment. Well since then, I have spoke to at least three other reps and then talked to a Christine at Americredit, who was extremely rude and arrogant with me and wouldn't work with me at all with the payments.

Christine even talked over me and had the nerve to argue with me on the phone because I informed her Americredit was harassing me with phone calls everyday numbering at least 8-10 per day even though I have been in contact with them the entire time and they knew I would make my payment, but it was going to be late. They continued to call and call, and Americredit called me so many times my voicemail was completely full and this was after I informed them also that this was my cell phone as I had no landline. They were using up my minutes. Americredit didn't care at all. I told this to Christine, and she was sarcastic and told me their "legal dept" didn't view that as harassment, even though Americredit continues to call me everyday nonstop at least ten times per day, sometimes more.

I also told Christine I would file a complaint against them with the BBB and Consumer Affairs and she told me bluntly "If that's what you need to do to be happy, then do it!" In addition, Americredit charges the highest interest rates on their financing and I have also asked for that to be reduced because it takes forever to pay your car off and they are basically acting like the Mafia, charging high interest rates and then threatening to take your car, and harassing you at work and home with numerous phone calls a day! I've had problem after problem with my 2004 Cavalier including the fact that the car cuts off at various intervals like it did with me when I was on the interstate. It just cut off on me in the middle of traffic and no mechanic can find out what's wrong. What I owe left on the car is two times more than what it's even worth now! I still receive numerous calls everyday as of the present date so that still continues!

The car was fixed but is not the same, and it now has more mileage, so it doesn't have the same book value. I don't want to lose the car, but I can't make the monthly payments anymore. I feel terrible, because I don't want my sister-in-law's credit. She did me this favor and now what? Nobody thinks about the damage this situation is causing. Bronx Suzuki lied when they said the payment would be lowered in 6 months; they only care about making their money. Americredit doesn't want to understand my situation. I heard of people that can't afford their payment and were able to settle with the bank to buy off the car. My father is willing to help me to get out of the situation by buying the car. To me, the bank is not losing or the customer. The economy is real bad now, and there is no money out there. This is a used car plus it was already involved in an accident. Any mechanic will tell you that the car is not 100% right anymore, but it has a good paint job.

After the vehicle was recovered by the company, I received bills from them stating that I owed them over $8,000 to complete the process. My wife made a few calls and the situation was quickly corrected and the company sent us letters stating that all debts were paid and that the account was closed. My wife and I made follow up calls to ensure that everything was completed and that the transaction was reported to the credit bureau accurately. A few months after completing the process, I found that AmeriCredit had reported to the credit bureau that the vehicle was a voluntarily surrender and that I had an outstanding balance of over $8,000. My wife again contacted AmeriCredit and advised them of the error on the credit report. The customer service representative (CSR) that she initially spoke to, at that time, told her that she was unclear how that would have happened because the account was clearly marked in several locations, stating that it was being turned in under the SSCRA. She was then transferred to the supervisor of the CSR for resolution.

My wife spoke to the supervisor about the issues. Then I called and spoke to the supervisor, and we were both told that while he knew that the reporting was not accurate, that he could not change the reporting, and if we wanted it fixed, that we need to contact the credit bureau and file a dispute, and then he would fix the reporting. We did as he asked, even though I am aware that he could fix the issue without us jumping though all the hoops. And he did respond quickly to the dispute letters upon receipt of them, but he then reported to the credit bureau that the account was paid in full, and that the vehicle had been repossessed! As a result of these issues that I am having with this company and their credit bureau reporting process, my credit score has gone from the 800’s to the low 700’s. My wife and I recently attempted to get credit to make a purchase and for the first time in my life, I was declined.

I have started receiving notices from all my credit card companies stating that if I default or am late on any payments, they will more than double my interest rate. My wife and I have had impeccable credit for many years. I couldn’t even tell you the last time I was late on a payment, including this account. I have made every effort to remedy this issue though the company. The supervisor that I have spoken to refuses to provide me with the name and extension number of his supervisor or of any other person that I can talk to in an attempt to resolve this issue. I am reluctant to get military or government attorneys involved, but if I can’t get this resolved any other way, I will be forced to go that route. Any help would be greatly appreciated.