Product: Vehicle loan or lease

Dear Ally Ms. XXXX, Your letter on XX/XX/XXXXXXXX stated ; " although we regret any any misunderstanding that occurred, our position remain unchanged '' On XXXX XXXX, XXXX, you stated in your letter that " Ally bank is willing to work with you to explore your eligibility of for a contract changes '' Ms. XXXX you said Ally is willing to work with me for contract changes. I tried to call and send a letter requesting and asking for a contract changes. Now you said your position remain unchanged. Are you now saying you will not make changes to the contract? 

Ms. XXXX can you explain to me why Ally bank and XXXX XXXX choose the lower credit score for the loan? It will help explain if you can explain the process, or regulation that you use to determine the lower credit score, APR and the finance charge etx. This is going back and forth, I do not understand why you choose the lower credit score. Explaining to me the process and the regulation that you use to determine the lower score, the APR and finance charge will greatly help me. 

As far as the the sale contract is concern. Yes I sign the sale contract but I did contested the contract the same day. And to be clear I did not sign the contract with the guy who approved the loan. The guy who approved the loan only explain to me the monthly payment and that I have been approved for the loan, and asked me how much I have for the down payment. I sign the contract with a lady in the third floor in the building of the dealership. During the signing of the contract the lady was not very detailed to be precise. After signing the contract, they asked me to go sit down in the first floor lobby while I wait for the car. They were preparing the car. As I sat in the lobby waiting the car, I read the contract in detail. I left the lobby came back to the second floor and contested the contract. They said it was a done deal I already sign the contract. They asked me to contact Ally Bank. I called Ally bank, Ally bank said as long as I have not made any payment, they have have no business with that. Let me go back to the dealer. I went back to the dealer and return the car. I have copy of the email I sent them to proof that. They called me repeatedly and asked me to come in. When I came in to the dealership, the manager came and spoke to me, he said let me take the car and find a bank to buy me out. When I do find a buyer they will applied the payment I have made to the principal. That why I took the car. Now when I went there after your first letter in XX/XX/XXXX, they said I should negotiate with you, they have no hand there any more. You said I should contact the manager of the dealership. You keep sending me back and forth. 

In summary, I contested the contract from day one, I called Ally bank, I returned the car and have been contesting the contract ever since. You keep sending me back and forth. You said you are willing to work with me to make changes to the contract and next you said you position remain unchanged. But explain the process or regulation or rule you use to determine the lower credit score. 

As far as the payment is concern, I am not getting any hours due to CONVID -19. So I have very limited income at this point. I have received threaten letters that you will reposes the car any time from now.