Complaint Review: GM Financial - Nationwide

I don't know where to begin this company. I will start by telling you that I am a professional small business owner so I understand the importance of customer service and what it means to the success of my business. I became disabled about a year ago due to a car accident that was of no fault of my own. You can only imagine the impact this had on my entire life professionally and personally. Due to savings being my only income and that running low and me prioritizing my life, I contacted Gm financial (AMericredit) myself before falling behind on payments and informed them that I was dealing with a financial hardship and they could note on my file and update my employment/ financial situation and address because I had to move in with a caregiver following my accident .. I'm talking I've hit complete rock bottom.

After a month of falling behind and the harassing phone calls I told them I was waiting for money to come in, a settlement from GM due to a lemon law claim (which is a long drama within its self. CLASSIC CHEVROLET SUGARLAND,Tx- DO NOT BUY A CAR FROM THEM, THEY SOLD ME 2 LEMONS this car I'm writing here about being one of them. I'm talking I've taken this car a 2015 Chevy Trax in 18 times to the same dealership where purchased in less than 4 months for malfunctioning break issues, so they settled on a small amount of 5k which more than half went to a lawyer. They should have been buying this car back in the lemon law claim seeing that they bought the first one back & put me in this one. So I feel in some way this is retaliation & them getting the car back at my expense!)

So at the time this money was the only thing extra I had coming in and I wanted to use it to pay the note I was behind. I have yet to receive the check from that claim! I ended up falling a 2nd month behind on my payments and I called them on April 24th to see what my options were to keep them from repoing ....because I hadn't heard from GM financial and everyone knows how they will harass you when you're late! The representative I spoke with said there was nothing she could do because I couldn't provide payment then, and that it would continue into repo status. I explain to her I can't lose the car my caregiver and I use it to get me to and from my appointments and things so there had to be an option and she insisted there was nothing. Like really no sympathy for anyone? I asked to speak to a manager and a guy name Steve presented himself and offered the deferment option! I said ok and he explained the terms. He sent me an email to accept the deferment and send back with a pin he provided and a 1-800 # to call and make sure it was accepted! I provided him with a post dated check, which he agreed to take. I called about 36 hours later as directed, the deferment was accepted.

So at this point I'm assuming everything is fine! May 10th I called the office to see if I could give them another account number to draft the payment because someone was going to lend me the money and allow me to to draft the payment straight from their account. We spoke to Shirley and she handled the transaction, I explained to her I needed to cancel the check on file so it wouldn't bounce and draft the payment as described before! She took care of this and told me everything was fine and that my next payment wasn't due until June, ok thanks! Again I assume everything is ok, until today June 15th I get an email from Onstar that may car had a theft alarm go off twice. I call Onstar to see ad THEY inform me that my car was repossessed!

So of course I AM PISSED! I paid the deferment, and was told multiple times it was approved, and it drafted from my friends account on 5/15! I immediately dial GM FINANCIAL and SEAN in recovery solutions is being of no assistance! He tells me there is no manager around to see what went wrong! He told me I was wrong about my deferment plan date then he realized I was right and didn't apologize for accusing me of being wrong! He EVEN admitted that the deferemnt was in place properly and "someone" should have cancelled the repo filing and they didn't! He tells me he would send an email to Steven his boss to check into it! I asked him how this happened and what recourse do I have seeing that GM is obviously in the wrong here! He had no answer but that I would have to trust his word and I told him that wasn't enough seeing my experience with this company! At this point I NEED HELP PLEASE! I AM SO PISSED and I don't know what to do! I did my part and GM still screwed and now I am left with nothing!