Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm filing a complaint against Ally Auto Finance due to both the dealership and the finance company attempting to force a loan contract in my name. I specifically told XXXX XXXX the finance manager at XXXX XXXX XXXX XXXX  I do not authorize my credit or loan to be sent to any lender other than XXXX  XXXX. I also documented this on the credit form I signed at the dealership authorizing them to run my credit. Upon completing a phone verification on XXXX with XXXX  XXXX ( due to having a fraud alert on my credit file ) I inquired why the loan was not approved in both my daughters name with me as the co signer. I was informed by the representative that no loan was submitted in both names, only mine. I was advised by the representative to contact the dealership and have them send over a corrected contract with me as a co signer so they can approve the loan. I immediately reached out to XXXX XXXX and informed him of the situation and asked him to resubmit a corrected contract with me as a co-signer. I also stated to XXXX, if he couldn't get the loan approved through XXXX  XXXX I did not want the vehicle. I also received a text message from XXXX on XXXX to contact him because XXXX  XXXX isn't funding the loan because I told them the car was for my daughter. After finally being able to get in contact with XXXX on XXXX, XXXX stated that he had worked everything out by pushing the loan through with Ally. I stated to XXXX XXXX did not authorize you to do so and reiterated to XXXX if he couldn't get the loan approved with XXXX  XXXX the correct way, I do not want the vehicle at all. XXXX replied he was with a customer and he would call me back. I immediately contacted Ally Auto  Finance and notified them of the situation and reiterated to the representative several times I did not authorize this loan in my name and it was fraudulent, and the contract needs to be canceled immediately. I was informed by the Ally representative that he would note the account of this and I need to contact the dealership and have them contact Ally regarding the issue. I then contacted the general manager XXXX at XXXX XXXX XXXX XXXX  and informed him of the issue and he assured me that he was going to straighten everything out and get back with me. Since this time, I have left numerous voice messages for XXXX and XXXX, with no response from either of them. I also spoke with Ally Auto Finance on XXXX and XXXX regarding the same issue stated above and Ally refuses to flat cancel the contract even after notifying them that the dealership was given me a hard time and I contacted Ally on XXXX and notified them I did not authorize the loan, and that the vehicle is no longer in my possession, it was returned back to the dealership ( XXXX Of XXXX XXXX. I also spoke with someone from Ally on XXXX and stated I didn't authorize the fraudulent loan that's still under my name, I no longer have possession of the vehicle and that I wouldn't be making any car payment. I also notified Ally that I filed a dealer complaint with the DMV against XXXX XXXX XXXX Florida concerning this loan. Furthermore, I haven't received any paperwork regarding a loan with Ally Auto Finance. I was told by XXXX XXXX that he pushed the loan through with Ally. In return, I called and notified Ally I did not authorize a loan in my name with their company. 

Thank You,

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