Consumer complaint received 2016-08-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On Saturday, XXXX XXXX, XXXX I turned my leased XXXX XXXX XXXX vehicle in to XXXX where they recorded my odometer as reading XXXX miles. Ally, the leasing agent with whom I financed my vehicle with, recorded the mileage as reading XXXX, a XXXX mile difference! I returned my vehicle XXXX miles under the allotted XXXX miles as permitted by my lease agreement. I performed a search of the vehicle 's VIN number. XXXX XXXX 's Used Cars located in XXXX XXXX, MI is selling the vehicle for {$19000.00} with the odometer reading listed as XXXX. Yet, Ally listed the odometer on my inspection report as reading XXXX. According to the Michigan Secretary of State that is odometer fraud. My sales lady and I inspected the car, the tires, rims, interior & exterior, using Ally 's Vehicle Lease Return Kit as our guide, finding no issues that would cause alarm or repair/replacement fees. I replaced the windshield before I turned it in due to a crack & under my lease terms I had a duty to do so. That was the only issue with my leased vehicle. As of Saturday, XXXX XXXX, XXXX, the XXXX XXXX XXXX chain of custody was transferred from myself to the XXXX dealership.On Friday, XXXX XXXX, XXXX, Ally sent a third party inspector to the XXXX dealership to perform the inspection on my now former XXXX XXXX XXXX leased vehicle. On Saturday, XXXX XXXX, XXXX, I received a letter sent to me from Ally claiming that I owe them {$820.00} for four new tires on the grounds that all four tires had gouges/cuts in the sidewalls. On Saturday, XXXX XXXX, XXXX, I returned a XXXX XXXX ATS to XXXX with tires that were absent of any type of gouge or cut. From Saturday, XXXX XXXX, XXXX until Friday, XXXX XXXX, XXXX, the vehicle, no longer in my chain of custody sat on XXXX dealership lot. The vehicle sat for six days before it was inspected by Ally 's third party inspector. At any point in time during those six days any number of things could have happened to the vehicle 's tires. The dealership could have traded them out & replaced them with a damaged set. The vehicle was no longer in my possession. The inspection was performed without me being present. It is very easy for Ally to make false claims & charge you for alleged damaged tires when no one but a third party inspector is allowed to be present. On Monday, XXXX XXXX, XXXX, I receive XXXX letters from Ally. XXXX letter stated that my vehicle sold at auction but failed to list what it sold for & that I am responsible for the {$820.00} charge for the tires. I called the XXXX number listed on the letter & spoke to a female operator who informed me that my tires were bald & mileage has nothing to do with the tread wear, weather & road conditions are the main factor. I informed her that I will not be paying the {$820.00} charge & to make note of it in my account.Ally was dropped by XXXX as a financer due to an enormous amount of customer complaints & now they are using nefarious & fraudulent claims & damages in order to make up for the money lost from XXXX dropping them. I refuse to pay a dime of the {$820.00} they are falsely claiming I owe for tires. This company needs to be investigated & criminal charges filed against them. Ally carries the burden of proof. The vehicle has been sold & no longer in their chain of custody. They had a third party inspector inspect the vehicle alone with no witnesses & no one from the XXXX dealership to concur & validate his findings or photos taken of the tires. Now Ally is sending me letters claiming they reached out to me with their willingness to work with me. They have never reached out to me other than to send me letters stating I owe the amount & if I did not pay them they threatened me with sending me to collections & reporting negative credit info.

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 monetary relief