Consumer complaint received 2017-04-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a  XXXX   XXXX   XXXX  as a co-signor with  XXXX   XXXX , and my  XXXX  purchase of a  XXXX   XXXX   XXXX  with the same problems. I complained to  XXXX  multiple times regarding the engine stalling on me. It would turn off in the middle of  the street from  the first year of purchase. When the car had  XXXX  miles on it I took it into  XXXX  due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to  XXXX  and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called  XXXX  and sent emails to the  General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if  XXXX  is part of that conspiracy. I received a very small portion of my lending fees fro m Ally  when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally  is harassing me until  XXXX  as if ruining my credit was n't enough. I 'm not sure if  XXXX  was part of the lawsuit but what I am sure of is that I purchased a  XXXX   XXXX  and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at  XXXX  and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have  XXXX  kids and I service   XXXX    learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and  my credit score  is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the  XXXX  is plagued with these problems since  XXXX ! How could  XXXX  not know this issue with the cars they sold? I am a victim of  XXXX  and  Ally 's   predatory selling and lending and demand the CFPB review  XXXX  an d Ally . I now have  XXXX  collection accounts for these bad cars when  XXXX  should not have been selling them. Dealers and lenders are not supposed to prey on consumers.

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