Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TX)

I am writing to file a formal complaint against [ XXXX XXXX XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Ally Bank financial institution for their willful and knowing violation of Title 15 U.S.C. 1611, which pertains to the refusal to access lawful credit and obstruction of consumer and Unfair, Deceptive, or Abusive Acts or Practices.

Details of the Complaint : Violation of Consumer Transaction, Accessing Lawful Credit, False and Inaccurate Information, Obstruction of Consumer Rights, Impact on Consumer Credit Access. High Pressure consenting tactics, confusing and misleading practices, Unfair Deceptive or Abusive Acts or Practices, and TILA violations. 
Obstruction of Consumer Rights : XXXX XXXX XXXX, XXXX ], XXXX XXXX, XXXX XXXX, and XXXX XXXX and ALLY BANK has failed to complete my contract and willfully obstruct consumer right to obtain lawful credit and/or provide accurate and complete information as required under the provisions of the Truth in Lending Act ( 15 U.S.C. 1601-1667f ) Title 15 U.S.C. ) 1611 and Equal Credit Opportunity Act ( ECOA ) Specifically, they have willfully and knowingly refused to contract, and alleged XXXX XXXX XXXX was refusing to release my credit because I am signing as the Authorized Representative/Agent on behalf of my legal construct. The actions of [ XXXX XXXX XXXX, XXXX ], XXXX XXXX, XXXX XXXX, and XXXX XXXX and Ally Bank have obstructed my consumer rights by not adhering to consumer transactions, accessing lawful credit and the required disclosure standards and by providing misleading information. This has significantly impacted I/We financial standing and access to lawful credit. OXXXX XXXX  I woman submitted a complete application for automotive credit to [ XXXX XXXX XXXX, XXXX ] XXXX XXXX and credit buyer XXXX XXXX who has accepted my credit on behalf of the lender. 

On XXXX, XXXX acceptance the offer to contract after I received the PURCHASE AGREEENT and returned it to the dealership via registered mail. On XXXX, I visited the dealership intending to complete and purchase the new vehicle. During my interaction with the XXXX  and Directive staff, XXXX XXXX, XXXX XXXX, and XXXX XXXX, I experienced the following issues : False or Inaccurate Information : [ XXXX XXXX XXXX, XXXX ], XXXX XXXX, XXXX XXXX, XXXX XXXX has provided false or inaccurate information regarding my credit standing, and credit capacity. This misinformation has adversely affected I/We ability to access lawful credit. The individuals refused to provide accurate funding options, deliberately withholding details by misrepresenting the financing offer.

Lack of transparency : They deliberately failed to omit their hidden clause granting power of attorney to the lender or seller in certain circumstances or transactions. 
XXXX XXXX, XXXX XXXX, XXXX XXXX. rejected my signed documentation because they are demanding a signature from the legal construct who is unable to sign the contract. The information provided for their dissatisfaction is what I believe to be deceptive, incomplete, misleading, lack equal consideration, mutual agreement, lack transparency and full-disclosure failing to meet the disclosure requirements under the Truth in Lending Act, Contract Law, and violation of consumer transaction. 
I attempted to negotiate and come to a mutual agreement but was also denied this opportunity.