Credit bureau · complaint record
GM Financial complaints
Filed under General Motors Financial Company, Inc.
Consumers have filed 9,959 complaints about GM Financial since 2012, 1,800 of them in the last 12 months (+8% on the year before). It answered 100% on time and closed 5% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 20th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 9,959
- Last 12 months
- 1,800
- Answered on time
- 100%
- Closed with relief
- 5%
- Last 30 days
- 81
- Rank
- #20 of 566
Since April 2012
+8% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 11, 2026
Most complained-about credit bureaus & report companies
GM Financial complaints by month
The busiest month was April 2026 (189 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How GM Financial answered last 12 months
- Closed with monetary relief30.2%
- Closed with non-monetary relief794.4%
- Closed with explanation1,69294%
- In progress261.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers3/404.6% closed with relief
- Complaint trend9/15+8% vs last year
What GM Financial complaints are about
Top GM Financial problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 925
- Account information incorrect 791
- Information belongs to someone else 546
- Old information reappears or never goes away 69
- Information is missing that should be on the report 41
- Public record information inaccurate 20
Where GM Financial complaints come from
Most complaints: Texas (1,209), Florida (1,076), California (966), Georgia (603), Michigan (566).
GM Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Toyota Financial ServicesCredit reporting | 54 | 2,301 | C |
| 2 | ID AnalyticsCredit reporting | 63 | 2,295 | C |
| 3 | CoreLogicCredit reporting | 56 | 2,267 | C |
| 4 | Global Lending ServicesCredit reporting | 56 | 1,853 | C |
| 5 | GM FinancialCredit reporting | 57 | 1,800 | C |
| 6 | UpgradeCredit reporting | 53 | 1,776 | C |
| 7 | LCI AcquisitionCredit reporting | 48 | 1,486 | D |
| 8 | UpstartCredit reporting | 52 | 1,485 | C |
Compare side by side: GM Financial vs Toyota Financial Services · GM Financial vs ID Analytics · GM Financial vs CoreLogic · GM Financial vs Global Lending Services
What people say about GM Financial
All experiencesNo experiences with GM Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest GM Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 8, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | In progress |
| Nov 2, 2026 | Auto loans & leases | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 2, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Nov 2, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 2, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about GM Financial
How many complaints does GM Financial have?
GM Financial has 9,959 complaints on record since April 2012, including 1,800 in the last 12 months and 81 in the last 30 days. That makes it number 81 of every company by complaints this year.
Does GM Financial respond to complaints?
Yes. GM Financial answered 100% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix; 0.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 57/100 (grade C).
What do people complain about most with GM Financial?
The most common problems are incorrect information on your report (2,419), improper use of your report (1,952), took or threatened to take negative or legal action (283).
Is GM Financial legit?
GM Financial is a real company with a public complaint record: consumers have complained about it 9,959 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is GM Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about GM Financial going up or down?
Roughly level. There were 1,800 complaints in the last 12 months against 1,674 in the 12 before (+8%). See every month.
How do I file a complaint against GM Financial?
Complain to GM Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most GM Financial complaints come from?
Most come from Texas (1,209), Florida (1,076), California (966). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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