GM Financial Reviews

Then the calls started. They called my references including my best friend's husband every day. Then they called my mother and told her that they didn't have a good phone number for me. This was after 2 days of talking with me on the phone!

Finally, I was given a one time offer to take the 2 late payments and place them at the end of my loan. I was then to get back to my regular payment schedule. Unfortunately my disability payments will not start for another 3-4 weeks. In the meantime a severe wind storm dropped a tree branch on my truck causing several thousand dollars in damages. My insurance company issued me a damage check.

I contacted Americredit and spoke to one of their credit supervisors. I requested that the insurance check be applied to my late payments stating this would help me get caught up. I was told I could do this. I was again contacted by Americredit and told that the check had been applied to the principal and NOT the payments. I spoke to another supervisor and was told that no one at their offices had given permission for the check to be applied to payments. 2 days ago I was in receipt of a letter stating that per my request the insurance check was applied to my loan principle. This is an out right lie as I NEVER gave permission and it is ridiculous to think that I would make such a request when I needed to catch up my payments.

They harass me at home, on my cell, at work. They block their number and pretend to be a friend when I answer. They leave voicemails saying: "hey girl... it's debra. when are we gonna get together? call me at ... and we'll figure it out!" When I call back I get, "you have reached Americredit".

They call me at 6 am, they call me at 10:30pm. They will not listen to reason... they argue with me when I have a crying baby in the background to the point where I have to hang up on them. Because of this company, their antics and there lack of reasoning, my credit score is close to non-existent. I was qualified to buy a home a year ago... not anymore! Thanks Americredit!

My daughter is fighting to make the payments but the interest and late payments just put her farther behind. The car will take 10 years to pay off because Americredit refuses to help.

On June 29th Americredit came to our place of residence and repossessed our vehicle due to non-payment and we told them there must be some mistake as we had made a payment in May and June. They said that the May payment was late and the June payment was stopped payment. We told them that the May payment was lost by them and that we had to put a stop payment on the check and that is why it was late. We had no idea that the bank had indeed put a stop payment on the June payment also.

We told them we could make them 2 payments on the spot over the phone and would call the bank in the morning as it was after 7 pm and the bank was closed. They told us they would have to repo the vehicle anyway and we would have to get it back in the morning. The next morning my husband called them numerous times on the 30th and paid the past due amounts, the late fees, the next month's payment and all the towing charges but we were not able to pick up the vehicle until almost 4 pm that afternoon as they were reluctant to even tell us where our vehicle was located.

In July we sent them a payment for August as our payments are due on the 2nd of each month and the check for $550.00 cleared our bank on the 17th of July. Americredit still does not show any receipt of that payment and now the 3rd of August, say that we owe for 2 payments. We had the bank fax them a copy of the cancelled check on July 28th 2006 and information showing that it had indeed cleared the bank on the 17th of July 2006. On Monday, July 31st we called them asking that it be corrected in our account and were told that they had 48 business hours to check with the bank and to call them the next day. We did so and asked to talk to the correction department who was supposed to be handling the matter and were told we were not allowed to talk to the correction department.

Today is the 3rd of August, almost a week after the bank sent them verification of the cleared check and they still have not credited our account with the payment. We are afraid they are going to try to reposses it again even though we are caught up but they are not willing to post the payment to our account.

We were without a vehicle due to the repossession on the 29th of June. We had to pay to put a stop payment on the check they lost. We had to pay tow charges along with storage and repossession charges. There is now damage to the right side quarter panel of the car due to the repossession company and feel that Americredit should be responsible for this.

I ended up paying the entire amount of the loan - interest and all. I feel I should be entitled to compensation for paying off the loan 58 months early.

This is constantly hurting us in the credit department. We have attempted to solve this through the credit bereau but they continue to imput whatever this compay say.

If I make an error it takes all day to get thru and when I do I they refuse to help, they refuse to transfer to mangement and when they do they disconnect call, it takes me calling back 3-4 times demanding not to be disconnected and speak to management to have an payment error corrected and after all that I was charged for it. I don't know what time age their since they use Western Union to process payment. I do know this all other companies have their own charge machines so are even linked with P.C.'s, even small revenue companies have them.

In January I got another call from Americredit telling me I had not made December's payment. I verified my payment. 3 days later I get another phone call saying I had not made a payment. I again verified January's payment and "Romeo" was confused on why he called me.

2 days later I get a phone call from the financial manager stating I had not made a December or January payment. I was baffled at this point with the lack of communication skills in the company. I again verified both payments.

Again this month, Febuary, I get another call from them. I told them I was going to photocopy all my payments and have my lawyer contact them to straighten it out because they had ruined my credit.

Americredit told me they didn't have time to deal with my lawyer. It's funny that they have time to make 2-3 harrassing phone calls everyday, but they don't have time to straighten out their mistakes with my lawyer.

Americredit reps have called every day, for over a year, on my cell and home phones asking for postdated checks. They also call on the same day they receive payment for the next promised payment.

This company is very much like the Capital One commercials where the only answer they know or give is NO! I continued to make my payments every month being 2 payments behind and had to fork out $20 for every payment as they would not accept post dated cheques, only Western Union payments.

Even this month I was able to return the call and report the payment schedule for the next few weeks and still had three messages at home, two on my cell phone and they called right away this morning at my place of employment.

They call all the time, to my work, friends, family - not once, but several times a day. Most reps are rude and get conflicting information, etc. They told me I could not have a payoff because I was 27 days late.

I have sent cease & disist orders - they ignore them. Asked them not to call cell phone - they still do. I have had as many as 8 phone calls a day for only being 10 days behind. Calls at home start as early as 7:30 a.m. on weekends and weekdays and continue after 9:00 p.m.

I called to inquire about the title and was tranfered to four different people before ending up with someone that was rude, not to mention no help. I was told that a release of interest was mailed to me on September 6th 2005. I told him, "This is true, but I still have no title". I was told to take the papers to DMV and pay for a new title.

The Americredit rep said "It looks like you settled this account" and when I said "yes, I did" he said "Well, then the way I see it we lost money and I think you can pay for another title because we don't know where it is"!

Americredit called for their money right after the papers were served and I set up a deferment with them (which costs money) with the first post deferment payment due on September 3, 2005. Oops, didn't expect a devastating hurricane to mess up my payment plans so I repeatedly tried to call Americredit in the days after the hurricane with no luck. I finally was able to email them which they answered with some automated reply message.

After about 6 weeks I was able to contact a customer service rep who kept trying to get me to say that the vehicle was totaled in the storm. When I explained that wasn't the case they became very belligerent. They told me that they didn't care about the hurricane-it wasn't their problem, that they wanted their money and they wanted it now.

I made a payment on 11/1/05 and the next day a rep called me, and said that they were trying to locate the vehicle in St. Bernard Parish and were unable to do so. I once again explained that the vehicle wasn't totaled. Again they were angered and said that they had it listed as totaled and they are filing an insurance claim on it. They wanted me to sign a voluntary repossession on the vehicle!

I said no way, that I am making payments on the vehicle and keeping it and that’s that.

In May, when they were finally able to verify where the check had been applied, they reapplied it to our vehicle except they applied the $29,000 as payments. They placed our check in a "hold" account so they could then draw monthly payments with interest out.

Since our intention was to pay off the vehicle, we were instructed to get another payoff request, and they would apply the amount paid correctly while removing the additional late fees and interest. HA! They waited until August, 2005 to send us a past due amount of the interest that occurred while they were clearing up their mistake.

In September we were able to obtain what we hoped would be the final balance to pay off this vehicle and obtain the pink slip, only to find out it was over $400.00. We were then told not to worry there was no time limit on it because it was just the processing fees and balance of interest. In October they tried to repossess our vehicle, all the while they would not listen to anything we had to say regarding the misappropriation of funds. All americredit wants is money! As of today we have paid them an additional $450.00 and are still hoping to have our pink slip come in the mail, but as it is November...I highly doubt this is the end of our trouble with them, But i can assure you. It will be the end of our financing thru Americredit.

I asked if I could break the extra payment out over the next four months in addition to making the monthly regular payment. I was told no - rather rudely. The best they offered was to reverse the late charge on the June payment and remove the "derogatory remarks". I do not feel that I should be penalized because they used a wrong address. I contacted them to fix the problem and they are being unreasonable. I have no problem making a monthly payment but I cannot make two payments at one time. I am only asking them to be reasonable. They seem to not want to be understanding or helpful in any way.