my car loan payment is almost always paid on the same days, as like most people I have an automatic payment system setup that always emails me when my car loan with GM Financial is due and needs to be paid along with all my other monthly bills. On the day of April 12th, 2014 I attempted to login to the GM Financial website using the same exact logins I always use. Instead of accessing their website easily, I instead received many login attempt errors. Their system kept telling me I needed to "create and account" and to click the confirmation link sent to my email. Now remember I've been paying this car loan online since 2010 without any problems. Knowing my payment was due that day I tried to contact the company. Well of course it's Saturday, and their office was closed. I tried everything and spent a good couple hours trying different computers, different internet browsers and even my cell phone and their emails never showed up in my inbox. After about 2-3 hours of trying everything I finally received an email from them asking to create an account. Since I already had an account every time I entered my loan number their system denied me. At this point folks I was more than upset...even having those imaginations of throwing my computer at the wall. So finally around 6:30 - 7pm I tried one last time to login...and POOF using the same login and password I've used for years I was logged in. While this came with plenty of excitement but I was still extremely upset I had to spend half of my Saturday doing a task that should have taken me 5 minutes. FYI: I don't and will never do automatic bill pay or automatic transfers. If you do, you should stop. Set reminders up with your bank or even your smart phone. Never give a company the authorization to pull money out of your account without notifying you first. Okay so back to my story. So I finally logged in and paid my payment! Yes, I can go have a strong drink now and forget how GM Financial wasted half my day... Later I go and request my free credit report and guess what? GM Financial listed my account as having a 30 day late. They listed my account being paid on April 13th, 2014 which is a Sunday. Now I'm not sure if you know or not but this type of derogatory mark on your credit report can cost you 50-90 points in a blink of an eye. It can cost you thousands of dollars in increased interests rates when applying for a new loan. So I called GM Financial and spoke with a lady named Shirley who had me speak with an employee by the name of Tom Lee with GM Financial. Both Shirley and Tom Lee ADMITTED GM Financial's system might have had an error and I need to fax over my email confirmation showing my payment confirmation. I did this immediately.After a couple days, I received NO responses. I called Tom Lee on the extension he provided and ended up leaving voice mail after voice mail. About 5 days later Tom Lee with GM Financial called me and told me; "well our system shows you paid on the 13th of April" and "Western Union shows this as well." At this point my blood was boiling but I maintained my composure. I was extremely diplomatic and told him about all the errors I was getting and is it possible there could be a glitch. He said; "NOPE" I then asked him to look at my payment history and to tell me how after 45 payments being made without any late payments if they could make an exception and remove the 30 day late. I mean come on, all my payments were made on time up to this and I have the evidence it was paid on the 12th of April. He said and I quote; "you have to live with it" and "we don't make exceptions" At this point I was done being diplomatic. I asked for a supervisor and he hung the phone up on me. Really? So I called and called trying to reach someone that had more authority than Tom Lee. I finally spoke with Jennifer Garrett, Assistant Vice President, Consumer Services. Here's her email address if you want to send her a letter saying you read this website and decided not to do business or take a loan out with GM Financial. Now listen folks, just because the company won't help you doesn't mean there's not other resources. My attorney said we could sue them, but it would be extremely expensive and for what a 30 day late? So I started to contact government agencies to see if they would help. The first one I called was Consumer Financial Protection Bureau and after a couple days I finally received a claim number...my victory of filling this complaint was short lived however. YES! You are reading that correctly. According to the Consumer Financial Protection Bureau GM Financial isn't even registered. You have got to be kidding me! So I call the CFPB and ask them what is going on, and they said they transferred my complaint to the FCC and that's all they can do. What is the *** point of having a Consumer Financial Protection Bureau and is this really what our hard earned tax dollars go to? Now I'm pissed. So I call my attorney and say screw it. I don't care what it costs, I'm suing GM Financial. He says, forget it. So I told him I still have my First Amendment to the United States Constitution so I am going to to everything I can to let potential customers of GM Financial know how corrupt they truly are. So the bottom line here is if you are looking for a car loan or to refinance your current loan DO NOT do so with GM Financial unless you want to end up with days and days of frustration and a lower credit score because GM Financial is corrupt.