Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Hello, After seeing this beautiful XXXX XXXX car advertised online as XXXX milages only with the price of {$78000.00} I went to the dealership to check out the car on the date of XX/XX/XXXX. After sitting down with the salesman and since the car was advertised online as XXXX milages only. 

The car was inside the dealership and I was told to only sign contracts before I test drive the car. I was also told that if I test drive the car and if for any reason I do not like the car they will rip the contract and cancel the deal and loan that was taken from the bank. I filled out paperwork as if I wanted to buy the car and then the finance person told me that the bank wanted me to put {$25000.00} down payment but since I said I could only afford to put in {$20000.00} he then proceeded to say that he'll put {$5000.00} out of pocket which seemed very sketch to me and my father during the purchase.

After signing the paperwork just to test drive the car, it turns out that the car mileage is XXXX on the dash of the car so not XXXX miles as advertised. 

Therefore I did not want to proceed to purchase the vehicle and I was told after coming back from the test drive that the salesperson said his name to be at the time " XXXX '' got me qualified for insurance which I told him I did not want as it was too pricy. After he tried to fix the pricing of the insurance he got locked out of the system from XXXX for trying a lot and then I ended up not buying the car. 

All of this time, I did not put a single XXXX for a downpayment. I was told that I had to sign before test-driving the car. 

Before leaving the dealership at XXXX pm that day, I was told and almost forced " verbally '' to leave a deposit of {$5000.00} which I did not leave. Therefore i did not want to proceed with the purchase. 

I woke up next day to a lot of calls from many people at the dealership telling me that the car is now mine since i signed the contracts and i must go pay the downpayment and take the car which i told them to cancel the contract because i am not longer interested in making the purchase. 

They then try to insist on me purchasing the car and claiming that it's now mine even tho i was told that if i XXXX XXXX it and i don't like it then they'll rip the papers and cancel the whole deal. 

Now, I have a {$68000.00} loan that was taken from Ally Financial Banking under my name and a few days after this situation i get a call from a lady and she congratulating me on my new insurance and the car i have. I was confused and i have this call recorded as i never gave consent to anyone to make insurance for me nor do i have the car or left the dealership with it or gave a downpayment. 

I need a solution to this serious situation as i have a bill from Ally Financial Banking coming up on XX/XX/XXXX which is a total of {$1100.00}. 

I had communicated with the dealership a lot of times to solve this and to cancel the loan and they claim to have sent out to cancel the loan with Ally Financial Banking and after also contacting Ally Financial many times I was told that they never received anything from the dealership regarding this matter. 

Thank you, 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