Consumer complaint received 2018-02-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a brand new XXXX XXXX XXXX from XXXX XXXX here in XXXX Arizona. The financing was supposedly through XXXX XXXX or XXXX XXXX. On XX/XX/XXXX XXXX XXXX calls me down to disclose XXXX XXXX had denied my loan as well as XXXX XXXX and XXXX XXXX XXXX XXXX. Any who, XXXX finally end up with Ally Financial On XX/XX/XXXX as my financer. On XX/XX/XXXX I paid {$500.00} to cover first month payment so I assumed that {$500.00} would now transfer to Ally Since thats where I got the loan. My first actual payment was due on XX/XX/XXXX. I had already set up auto pay with ALLY on XX/XX/XXXX Once XX/XX/XXXX come I receive email confirmation that my full payment of {$500.00} has been received and paid. Later, on XX/XX/XXXX I receive harassing phone calls from Ally Stating I still owe my {$500.00}. Ally also threatens me with repo. I had explained that I set up auto pay and have already made payment on the XXXX as well as I have the confirmation to prove it. They stated that, that email means my payment is processing and did not go through. They also try to get me to make my payment of XXXX again over the phone with a debit card that charges another {$8.00} fee to run my card. All they want is money. I did NOT receive any email, confirmation, or notification that my payment was denied, declined, or did NOT go through. I only have confirmation payment went through. So then on XX/XX/XXXX I make yet another payment for {$500.00} and the email confirmation process is the exact same as my first payment made on the XXXX. So if the first email confirmation means Payment processing ( which is false because it does not say that ) well how come I didnt receive other emails when the Payment Clears. When I ask these questions the representatives they sit in silence. There are no answers. So at this point an time I have paid Over {$1500.00} to this company and my screenshot from ALLY shows that only 1 payment of {$500.00} has been received and of that {$500.00}, {$440.00} was taken out Ally Finance charges and only {$59.00} had been applied to the principle of my loan. Still have no answers from them on where my other {$1000.00} went and I have receipts/confirmation of them. 
At this point and time I start to do more research and I find that they reported to the credit bureaus that I opened my account on XX/XX/XXXX. That is false it would be XX/XX/XXXX. I also see they didnt do an initial pull on my credit to qualify me for this loan according to XXXX. I believe they are attempting to charge me interest back to that date but not sure. I also never signed or agreed to Allys Privacy policy as they share/sell my information to affiliates and NON AFFILIATES. They stated I have the option to opt out I never signed, stated, or agreed to be opted in To begin with. Since this loan I now receive random phone calls from unknown numbers and robo calls. Also their customer service is horrible and I found out they are located in the XXXX as they barley speak good English. This is a conflict of business due to the fact they cant understand me and I have a hard time understanding them. Also this company only has emails, phone numbers, and P.O boxes. Why doesnt this XXXX XXXX XXXX have any physical locations and operate out of the United States? There is no transparency and this makes sense because they are taking peoples money and cant be found anywhere. Also to find out I have a very low credit score and this bank never verified my income or occupation they just gave me the loan. I see they are being investigated for auto loan fraud and credit reporting fraud Also they showed and stated what the APR rate for this loan was and in fine print is talks about how the APR is applied but nothing about the interest rate. I forgot to mention that on one of my 6 phone calls I have made to ALLY since XX/XX/XXXX I demanded to speak with a manager and they kept passing me down the line to other customer service reps and then finally to the consumer relations department. Never got me a manager. Finally the man by the name of XXXX in their consumer relations department set up a call back for a supervisor to call me and stated it would take 24-48 hours. To this day I never received a call. I then called on XX/XX/XXXX asking why I never received that call and ALLY stated THEY DID NOT HAVE MY PHONE NUMBER. This company gave me an auto loan and stated they dont have my phone number, as well they did not verify my income or occupation. I feel Im being targeted based on my poor credit and they are falsifying documents to make me pay more money. I went back to XXXX XXXX Where they set me up with this company and they dont care to help me at all. There are so many questions and nothing is being done. I am clearly part of fraud and as I look more online every customer with ALLY experiences the exact same problem. How many rules and laws can this company violate before something is done about it? Please help I have no other resources or money to go about this company on my own.

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