Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Purchased a XX/XX/XXXX XXXX from local dealer, I got there to discuss details of the vehicle, test drive, etc, and was denied the opportunity to do at that I requested. I was there to be a co-signer for live in companion. Long story short they told me I had no need to go over what was already discussed between the buyer, dealer etc. So finally after hours of waiting to go in finance and never seeing or test driving vehicle, the finance manager proceeds to lay out non printed contracts and various other blank docs instructed to sign. I was so enraged with the whole deal that I quickly signed argued that it was against the law and also for them to not inform me that I was in fact the primary purchaser listed on the loan ( furious ). I sped out of parking lot only to return demanding the contract was to be ripped up and a new printed disclosed contract be done and then reviewed to sign ... .Throughout the ordeal the staff insisted that the car was a XXXX XXXX previously owned by the owners next door neighbor in XXXX XXXX ... .I told them to just stop the BS and inquired why there were no plates on the vehicle etc, The Sale XXXX at the desk rudely exclaimed that they 'll be in the mail in 90 days. I was also concerned of the financing, rate, term etc. So many laws broken or unjust, deceitful business practice. I find out that the vehicle is currently registered in Illinois as of XX/XX/XXXX and has not been registered in XXXX ever ( vehicle exported XX/XX/XXXX from XXXX imported directly to XXXX. 
Also the vehicle was not registered from XX/XX/XXXX to XX/XX/XXXX 
mileage history XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles The dealer that sold us the vehicle listed for sale on XX/XX/XXXX @ XXXX miles XX/XX/XXXX @ XXXX miles shows XXXX insp stat appeared to pass smog XX/XX/XXXX pre delivery etc, also than again shows Emission inspection performed ( why ) According to XXXX law buying and selling and out of state vehicle, especially one entering into XXXX and never registered in XXXX require certain documentation etc. States that the new owner has XXXX days to transfer ownership and release of liability, signed documentation from previous registered owner etc which I do n't see any record of being done, The plates are to be issued XXXX days on a used vehicle, not XXXX days as the dealer insisted. 
I was preapproved with XXXX XXXX and showed the dealer this and asked if they could get the financing with them if possible, I was given the runaround and lied to about many things pertaining to the purchase. I have the buyer guide sticker from window which shows the vehicle as inventory and property of a different dealer across the street, they also changed the price by {$4000.00} more but forgot that the original price was also underneath on other page, ad online also was a different price, the finance company they went through was ALLY finance, at XXXX % x XXXX months on a XX/XX/XXXX XXXX ... ..I am sure that they increased the rate quite a bit which is against the law, also I later received a letter from XXXX XXXX stating that they had approved the loan but had n't heard form the dealer ... also stated that the terms needed to be adjusted according to price, rate etc ... ... .But the dealer lied and told me they would not consider or approve. 
The vehicle was involved in a collision which declared the vehicle a total loss and the insurance paid the value of the vehicle which left us with a balance against the loan in the amount of approx. {$5500.00} @ monthly pay of {$870.00}