Consumer complaint received 2018-07-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact. 
Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally. 
after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this. 

Thank you for reaching out, but its out of my hands. 

And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended. 

Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.

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