Consumer complaint received 2022-09-02
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I recently had a vehicle illegally repossessed ( 10 days ago, last Wednesday XX/XX/XXXX ) and have not been able to find out where to go to retrieve it. Furthermore, my personal property is still with the vehicle, and the bank has told two dealerships they have already sold the vehicle to auction, but I was never provided a Notice of Sale, or any information about where the vehicle was taken before, during, or after the repossession. It has been over a week, and I still am being told by the bank they don't know where the vehicle is. 

I am a father of XXXX boys and have a fiance and stepson. We are a family of XXXX. They are all depending on me and this Truck to XXXX XXXX XXXX. I believe I have been robbed of my family vehicle/ business asset. I use the truck to XXXXXXXX XXXX XXXX XXXX XXXX XXXX utilizing my XXXX. My business operations have completely stopped. I have nowhere else to turn. I know what has happened is illegal. The day they took it they said I had 5 days to get them the funds, and the next day they told myself and a sales Rep from XXXX XXXX ( XXXX XXXX XXXX ), that they had already sold the vehicle to auction with no receipts for the repossession or a Notice of Sale. 

The repo agent did not have any paperwork, he refused to give me any details on where my vehicle was going, and they removed my LICENSE PLATE. All he said was speak to your bank. 
I called Ally Bank while still in his presence, and the bank told me it was a formality, and they would bring the vehicle back as soon as they received funds. 
Since the moment the truck left They have lied repeatedly to me and 2 dealerships about what steps need to be taken to gain access to the vehicle. They told me I could not get my personal property until they were paid in full. I have tried to pay them SEVERAL TIMES. They told me they could not accept payment directly and to go through a dealership, which is what made me reach out to XXXX XXXX. 

My mother cleared out her 401K so that I would have the cash in time WHICH I DID. They refused payment while the vehicle was still in my possession and stole it the next morning via an illegal repossession, and I have been unable to locate the truck to pay it off, or even gain access to it to retrieve my personal property. Ally has continually given me the wrong information, including telling flat out lies about what I needed to do to get my truck back. They are still continuing to waste time and are still hiding my personal property from me as well. They are trying to waste time so I can not buy the vehicle ( Which is my legal right, after paying the lease off in FULL ). 
I have a quote from the dealership ; it clearly shows that I would owe more than {$4000.00} more to return the vehicle. It would be {$34000.00} to purchase out right. OR {$38000.00} to return the vehicle due to the mileage. 

I leased the vehicle 4 years ago, I paid the lease off IN FULL, and made an extra payment on the account after the lease ended because I was told I had an extension, and I have been trying to buy this vehicle for the agreed upon price, and they stole it after refusing payment, and are now pretending it is gone/lost/sold. 

Additionally, I have put over {$20000.00} of my own money into the truck to keep it running including {$7000.00} in XXXX. 

Currently, I am unable to work and XXXX XXXX XXXX. This entire situation has been insane. I also do have a willing witness, from XXXX XXXX XXXX XXXX. We have called ALLY BANK Dealer services and XXXX XXXX XXXX  divisions several times together attempting to pay the vehicle off and they have repeatedly told the both of us, that they have sold the vehicle to auction, and do not know where it is. 
In Indiana They have to provide a Notice of Sale and wait 10 days after a vehicle repossession before the vehicle can be sold to auction they have hid my truck for 10 days now waiting to legally sell it, and then come after me for {$40000.00} in additional money for the mileage on the vehicle! 

The dealership was supposed to be getting the truck back. it has been gone over a week 10 days to be exact, and I have not heard from the dealership in XXXX, IN. since Monday XX/XX/XXXX I was speaking with the Finance Manager XXXX XXXX of XXXX XXXX and XXXX, in XXXX, IN. He has not returned my calls since Monday afternoon, and an email was sent to his boss General Manager XXXX XXXX on Tuesday XX/XX/XXXX. No reply thus far. I have also called his office phone which he has not returned any of my attempts to contact him

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