Consumer complaint received 2022-02-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Bank worked in part with XXXX XXXX to secure a fraudulent loan and activities to prevent consumer ( myself ) by able to understand or bring to surface of the original loan and contract I was aware of and agreed upon. They continuously and dishonestly made changes while helping XXXX XXXX XXXX get away with more than XXXX in cash and trade in vehicle to be repossess sold or etc. Without giving me access to records or resources to prove otherwise while adding additional financial charges to existing contract and denying any illegal actions on there part throughout duration of my compliant and regards causing me so much financial distress and physical distress declining my mental ability to continue to fight and search for any resources available to help me hold anyone accountable but I continues making payments by a means because I knew I wasn't mentally XXXX or XXXX  to believe there lies which they wishes I would give in to believe. After what turned into 6 years of payments instead of 12 months and a interest rate of almost 10 percent. Recently thanks to the man above God or good energy or karma whichever maybe responsible or for the person reading this compliant to believes. Less than 10 days ago what I knew both entities worked together to commit against me and cause more than XXXX in damages and as well as so much other injury I may never fully recover in any way I assure you this has permanently effected and took more than I can start to write down on this form. However, what was done behind closed doors and away from my knowledge I can finally not only assume before but I now have 100 percent proof they have done and quickly tried to relieve themselves from any responsibility as soon as I noticed and started asking questions seeking answers they went into action to clean up and do there do diligence from ever being able to bring to light but I finally am able to say I got 150 percent proof both parties Ally Bank and XXXX XXXX XXXX acted and conspired to cause intentional distress to consumer for both profit and selfish reasonings to further there own agenda despise the state laws and regulations which were set in place to protect consumers, both entities and personals went above and beyond to deny any involvement until recently when I have been able to address to them the evidence which before I could only assume they acted unlawfully or had any knowledge of any dealings however its officially now known by both myself and both entities as well as personnels who both work and represent each entity now made aware of that I will no longer stay silent but will report them asap and no remedy or cause of action but which the law or state allows to be fined or punished for breaking the governing ruled and regulations to be notified and ask only for that course of remedy to be the only interest of mine the consumer given I spent 6 years searching for answers hoping for justice or for them to make sense to why this happened to me in the first place but I was consistently lied to and almost believed that I was crazy and mentally uncapable to file any compliant or seek any remedy other than my own self medicating ways to prevent further mental and physical damage I accepted my faith because both entities I knew were working hand in hand to destroy my life and gain from it and I had NO ONE or nothing left except my original purchase which was even intentionally involved in a automobile accident where I now believe was done by the personnel who works for XXXX XXXX XXXX to get me to further agree and replace or have vehicle repossessed to further allow distance from discovering what they done to me from ever coming to light and able to prove it theoretically but I can't prove that other than coincidentally proving emails exactly during times which made me believe more of my theory being facts then fiction especially since all pieces of the puzzle now paint the picture and nothing is left to speculation I can only ask someone other than any of the parties Including myself to be the judge and I know I can only trust the final assessments conclusion at this point I feel I've loss my sanity and judgment to have any opinion would be bias and unfair in court because of such injury and damage I can no longer understand anything I've lost my mind my body my soul my presence my future and only can speak of my past in past tense as it once was what I remember to live a life wherr everydsy i went to sleep on time looking forward to getting up next day hoping to live my future being better than my past but I loss everything including being able to be able to work hard and look forward to anything after my future is now my past memories of what i remembered or understood to be a dream and nothing more. Ive hit low percent poverty and continued to live lawfully with nothing except my parents the few people i have left if nothing else supporting me and being my punching bag when i felt i needed to act out and say life isnt fair to accept what happened to me to be a unjustified act of few people who for long time been able to act above the law and at one point even given bonus for there involvement and use of power and to continue acting in such nature and trusted too by those who i hoped wouldnt trust these entities given the law protects the consumer and corporations from doing unlawful acts and to enforce these entities to act in good faith however they now too are XXXX founded and believe me after I've lost more than anyone I know while believing I myself am crazy in order to keep my sanity and me from going insane more than I already have shown everyone I am and might be just so if I accepted I was crazy then there Maybe a chance I can hold on to some of my little dignity in the face of those whom became aware of my issues to also believe that I am not too crazy for accepting the course of actions set in place to dysfunctional damage me as a whole instead of just financially. Thank you. God bless Sincerely, Lost MAN No Man should have to experience what I had to just to bring one peace but thank you for anything you can do to help assure this won't happen to the next consumer then I can say my purpose did not go to vainly. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation