Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #18638200
Complaint Overview
Complaint ID: 18638200
Company: General Motors Financial Company, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Pennsylvania
ZIP Code: 18504
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I purchased a XXXX XXXX vehicle from XXXX XXXX XXXX XXXX, financed through GM Financial. Shortly after the purchase, the vehicle developed serious mechanical issues. Multiple certified mechanics determined that the engine was failing and the vehicle had longstanding mechanical problems that likely existed prior to the sale. The vehicle was unreliable and unsafe to operate despite regular maintenance and upkeep. The vehicle would shut off unexpectedly while driving, creating dangerous situations. On multiple occasions, this caused potential accidents while friends and family were inside the car. I informed GM Financial of the vehicles issues and requested that they review the account and consider the circumstances regarding the defective vehicle in relation to the repossession and credit reporting. The vehicle eventually was repossessed due to becoming inoperable, and GM Financial reported the repossession to the credit bureaus. I am disputing GM Financials reporting because the repossession and resulting negative credit reporting stem from a defective vehicle that should not have been sold. I am requesting that GM Financial review the account, conduct a fair investigation, and remove or correct any negative credit reporting related to this account.
Frequently Asked Questions
What is Complaint #18638200 about?
Complaint #18638200 was filed against General Motors Financial Company, INC. regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
How did General Motors Financial Company, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against General Motors Financial Company, INC.?
Yes, visit the General Motors Financial Company, INC. company profile at readthecomplaint.com/company/general-motors-financial-company-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.