Consumer complaint received 2016-08-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I will attach a detailed letter describing the fraudulent car sale involving XXXX XXXX XXXX XXXX 's employee ( s ) XXXX XXXX & Ally Financial. XXXX of XXXX, XXXX 's former employee ( s ) held 1-day tent sales at the local XXXX parking lot. My son was shown a 2011 Chevy Aveo & was offered {$7000.00} for his 2002 Chevy Silverado. They advised my son to test drive the car overnight & come back in the morning. During the tent sale, XXXX employee were having trouble getting my son approved for an auto loan suggesting he take the Aveo home overnight & come back in the morning. He was also advised to leave his 2002 Silverado at the XXXX parking lot. That night, the Aveo overheated once it would reach 40mph. We immediately contacted XXXX salesman whom advised us to contact XXXX XXXX in XXXX in the morning. The next day, we drove the XXXX back to the XXXX only to find the tent sale & cars gone as well as our 2002 Silverado was gone. We contacted XXXX, the salesman from the tent sale who then identified himself as living in Indiana & was only there under contract to help XXXX XXXX XXXX sell cars & we would need to contact XXXX Used Cars Dealership. For weeks we were given the run around from XXXX 's. We continued to contact XXXX from Indiana whom was no help assisting us in getting our truck back & the Aveo returned. XXXX called us a few weeks later in XXXX requesting we pay more money to secure an auto loan & pay MI sales tax. We were confused because Ally mailed us a letter claiming they denied approving my son for an auto loan. 
Later in XXXX, Ally mails another letter informing us that they Ally & XXXX XXXX of XXXX changed the terms & conditions of a loan. We contacted XXXX again whom advised us that the form we signed during the tent sale giving them approval to run our credit reports were used so to enter Ally & XXXX into new terms & conditions of a loan between them which of, Ally has refused in three years to provide us with the details of the loan terms. XXXX advised my son to make monthly payments of {$290.00} for 3 years beginning XXXX of XXXX. By XXXX, the car was taken to XXXX XXXX XXXX XXXX service center and again in XXXX whereas XXXX had possession of the car more than we did. We were advised to come pick the Aveo up claiming all service work was completed then soon after in XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX closed down due to their fraudulent car lot tent sales. My son has since paid the Aveo off paying over {$12.00} grand for a {$6500.00} car. Ally claims my son does n't have an auto loan with them but owes them over {$10.00} grand more for the original loan they Ally & XXXX XXXX XXXX changed without our knowledge in 3-yrs. XXXX XXXX of XXXX my son & the Aveo were involved in auto accident totaling the Aveo. Ally Financial has refused to answer requests now from the State of MI Insurance & Financial Serv., XXXX XXXX Claims depart involving the Aveo claim. XXXX XXXX ca n't make payment to Ally if Ally is claiming they do n't have an auto loan with us. So whom have we been paying and what terms did Ally change without our knowledge in 3 yrs? My son was discriminated against for being a young XXXX whom did not have credit because he was just XXXX & Ally Financial has caused financial injury to my son 's credit & preventing him from buying a new car to replace what he just lost. A Class Action Settlement was reached between the federal government & Ally Financial for their fraudulent car sales, fraudulent lending practices. My son is a victim of the same crimes he just was n't included in the current settlement suit. We are pleading for a resolution & for Ally Financial to be held accountable for their fraudulent actions including & involving XXXX Used Sales, XXXX XXXX. 
We pray for your protection so to prevent further injury Ally Financial is causing.

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