Consumer complaint received 2021-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XX/XX/2021 : purchased XXXX XXXX XXXX from XXXX XXXX of XXXX, California ; XX/XX/2021 : cancelled and requested warranty refund be sent directly to me ; I contacted ALLY FINANCIAL SERVICES & XXXX XXXX XXXX XXXX XXXX XXXX ' response : " ALL warranty refunds go directly to the lender ''. Period. 

ALLY FINANCIAL SERVICES ' response : " WE apply the warranty refund to the BACK-END of your loan ''! 

XX/XX/2021 : I requested someone from ALLY ' Risk Management Team contact me. 
NO response from anyone until late XX/XX/2021. 

ALLY 's initial ( female ) representative reached-out to me and stated ALLY 's computer-screen response : " it's in your contract ''! 
I stated : " the provision is UN-lawful thus UN-enforceable ''!! 
the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''! 
said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect. 

early XX/XX/2021 : ALLY ' " XXXX '' called me and stated previous robotic-responses. 
I asked : " in which country does any type of refund request by a ( n ) y ) consumer be refunded directly to a " 3rd-PARTY ''? 
with my blatant and obvious NON-agreement NOR authorization/permission? 
" XXXX '' stated : " it's in your contact ''! 
I stated : " the provision is UN-lawful thus UN-enforceable ''!! 
the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''!

said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect. 

ALLY, apparently, has UNILATERALLY applied MY {$1900.00} USD WARRANTLY REFUND to MY AUTO LOAN with : NO input from me whatsoever. 

I explained to " XXXX '' that I NEED MY {$1900.00} USD WARRANTY REFUND : to PAY-OFF a MINIMUM of four ( 4 ) credit-cards that will PERMANENTLY ERASE $ XXXX per month from my budget, thus making my new car loan much easier to pay every month, PLUS, also allowing me to PERMANENTLY PAYOFF multiple smaller-amount dental and medical bills that have since FAILURE by ALLY XXXX XXXX XXXX XXXX to ISSUE MY WARRANTY REFUND DIRECTLY to ME, ARE NOW ON MY CREDIT BUREAUS, DAMAGING MY FICO CREDIT SCORES by " SCORES '' of CREDIT POINTS! 

" XXXX '' stated that same would have his Manager, XXXX, reach-out to me ; that was weeks ago & counting. 

( I AM 119 % certain that XXXX XXXX XXXX XXXX ALL OTHER AUTO DEALERS & AUTO FINANCIAL SERVICES ARE MISAPPROPRIATING FUNDS-of-CONSUMERS to LENDERS rather than directly to CONSUMERS! ) ADDITIONAL COMPLAINT : I was told at dealership that ALLY has ten ( 10 ) days to " re-consider '' loan. 
I received a letter from ALL dated XX/XX/2021, some 19 days after-the-fact that : " ALLY has chosen NOT to accept the terms submitted by XXXX XXXX of XXXX. Please contact dealer fro NEW TERMS/CONDITIONS ''! 

ALSO, the Finance Manager at XXXX XXXX of XXXX stated : " this part where you are signing, you are giving-up YOUR COOLING-OFF-PERIOD ''! 
how is it that ALLY has ten ( 10 ) days to " reconsider my loan '', HOWEVER, MY ten ( 10 ) days to " COOL-OFF '' is TAKEN-AWAY from ME? 

EMOTIONAL STRESS in XXXX! 
and then some. 
even for a reasonably HEALTHY HUMAN-BEING AKA PERSON! 

XXXX XXXX XXXX

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