Consumer complaint received 2021-11-08
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX approximately XXXXXXXX XXXX. Eastern standard time I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX, NY XXXX. I was greeted by a sales representative that goes by the name of XXXX, I then told him that I would like to apply to finance a vehicle under my business with a commercial financing application. I then told XXXX that I would like to go through Ally financial because I've been hearing good things about that company helping small businesses acquire their first vehicle. 

Instead of submitting the application XXXX began to pre-screen me. He asked that I ever purchased anything with my business before, he asked do I know what's on my business credit, he asked what type of trade references are on my business credit. I figured that was weird because that's something that he could actually input my business information into the computer and find out but I felt as if I was being profiled before I was given the opportunity to actually check my credit. I told him several times to just check my credit and that I do not want to put any money down and he said okay sit in my office, then made me wait and I believe they were hoping I would get tired of waiting and just leave. 

I went to sit down at XXXX 's desk and he said he was going to the finance department. XXXX did not at any point hand me the application that I requested. Instead he went to the finance department and came back and told me that he can not run my application because the banks were closed, the bank that I asked for ally financial was not closed because I took the initiative and called and the representative said that they were still open the business department however closed at XXXX XXXX. Central standard Time and because I was in Eastern time I still had literally an hour prior to them making me wait to even give me an application. XXXX said I should leave a deposit and they will do it tomorrow, but I had already Expressed to XXXX that I did not want to put any money down. Please keep in mind that this dealership closes at XXXXXXXX XXXX and the bank that I wanted to submit my application to was not closed. XXXX said that's what he was told by his finance XXXX I then began to express how I felt that I was being discriminated against and being profiled before I even got the chance to fill out the application and that they lied about the bank being closed because the bank was clearly open as well as their dealership. I asked for the finance XXXX name and XXXX did not want to give it to me. I was treated so poorly. 

XXXX assured me that was not the case and that he's only transferring information that he was told, I did repeat my concerns again and then he gave me the application to fill out. During that whole time I asked XXXX for the name of his finance manager he would not give it to me, no one wanted to give me any information about who gave me the information that the bank was closed. I overheard a man talking about me over the phone to someone stating that I wanted to purchase a vehicle under my business. The whole time he was talking on the phone they made me wait at least XXXX minutes before running my application at all. I physically had to take my own application to the finance office and force them to submit a credit app for me ( it is all on camera ). I'm not sure if this is how I was supposed to be treated but I know it did not feel like I was supposed to be treated. I later found out that the finance XXXX name is XXXX they did not give me any last name. After waiting all that time when they could have easily submitted my credit application as soon as I walked into the door the bank eventually ended up being closed and when they submitted my application it came back with a denial with inaccurate company information logged on the denial. I was assured by the finance XXXX that he would submit my application the very next day the very next morning, but that also was a lie. I waited for a phone call from the finance XXXX the following day which would be XX/XX/XXXX and I did not receive a call when I called into XXXX I was told that the finance XXXX was off for the day and that he is always off on those days. Which he already knew before he told me that he would submit the application at the top of the morning to a live representative, so he lied about that as wel.l So not only was I profile as soon as I got there, I was lied to, and was discriminated against and I do believe that this denial was given to me because they did not simply want me as a customer. They lied about running the application to an actual bank representative the next day XXXX knew that he would not be working the next day. I let them know that I will be filing a complaint against their company for the XXXX profiling and economic discrimination. I would like to move as forward as I could with this claim they made me feel like 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