Consumer complaint received 2025-12-22 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: CO

Complaint narrative:
I bought a vehicle out of state online XX/XX/XXXX a XXXX XXXX XXXXXXXX XXXX XXXX  for {$50000.00} from a large high end car dealership XXXX XXXX XXXX. Final paperwork signing a XXXX incident popped up dating the vehicle had a minor incident I stopped signing papers at that point due to the price of the vehicle I didn't want to purchase a car with any problems The dealership quickly sent me an email It's dating it was just a single scratch or dent that was professionally repaired under the former owners insurance policy and that the vehicle was in perfect condition as they stated I continued signing documents trusting the dealer. when The vehicle arrived to me in XXXX  I noticed numerous concerning body issues i immediately took it to a certified XXXX XXXX XXXX and the estimator said the vehicle appears to be a poorly repaired hail salvage that was unreported to XXXX and wrote an estimate for {$14000.00} which they emphasized was just a starting number due to all the poor work done completely around the vehicle The estimator said once they remove body panels they would find much more work ultimately leaving him to say the shop wouldn't touch a job like this but he felt bad for me and wrote me an estimate anyways I took the vehicle to numerous shops to try to get more estimates and no one would give me one all stating the vehicle just had way too much going on with the exterior of it miscolored body panels hail dents paneling completely unaligned all over the vehicle and numerous other random damage contacted the dealer immediately demanding resolution which they stated they would talk to the owner and get back to me they never did. Began filing complaints with all major agencies in Texas Federal Trade commission Better Business bureau Texas department of motor vehicles Texas attorney general. A few weeks later the dealer was shut down by the government and all the vehicles seized the dealership was buying mass amounts of high-end salvage cars repairing them poorly in selling them back to the customers without reporting to XXXX. I immediately contacted the lender Alliy financial and told them the problem that I have a vehicle that is a unreported salvage that was poorly repaired and initially the customer service reps were telling me that wasn't their problem that it was between me and the dealer even after I stated The dealership has been shut down numerous times. I eventually was able to escalate the issue to another department their fraud division who said they work on the look into this and come up with a resolution that they had a pool of victims from this dealership that they all needed to come up with a solution for I waited and waited nothing I called back their fraud division again only to be transferred to their upper management department and was told that they would get in contact with me It's been 3 months now and the lender is doing nothing to resolve this other than hounding me for the full {$1200.00} a month car payment on the vehicle. I am behind on my payments because I don't think it's right that I am being charged the full amount for a vehicle that is still not even registered because I never received a title nor for a vehicle that looks like it currently does having miscolored paint on my rear driver door and hood that is a different shade of paint than the rest of the vehicle or with all the other numerous defects of it sanding marks in the paint hail dents etc this was a clear case of misrepresentation and I should not be getting charged the full amount for this vehicle I paid for a professional vehicle appraisal from a certified appraisal specialist stating the vehicle 's true value in the condition that is in is {$27000.00} I have sent the lender Alliy financial this information a month ago along with the repair bill that I received shortly after I had the vehicle delivered to me in XXXX  The lender is doing nothing to resolve this The auto dealership that was shut down was in business with the lender XXXX XXXX XXXX was an approved seller for the lender a XXXX  attorney has told me that under the holder rule if the lender and the fraudulent dealership were in business together in the dealership was shut down due to fraud that the lender stands in their shoes and must resolve the situation I have told Alliy financial this and only get ignored. I had my hours at my job dramatically cut due to this whole situation My boss was very upset because the first month and a half into this mess I was constantly on the phone neglecting my job trying to secure a lawyer on a contingent basis because I have no windfall of cash to just pay for a lawyer to help me this whole situation has ruined my life the past almost 5 months now. If the lender is not going to resolve this vehicle loan and adjust it to the true value of the vehicle I just want to cancel this contract and get my money back for payments that I have paid and my security deposit of {$3000.00} this isn't right in the lender knows this I should not be getting charged what they are charging me. Please help me I just really need it The lender is close to repossessing the vehicle because I refuse to make any more payments until there is a solid resolution as they promised me they would handle months ago. The lender has been ruining my credit due to me dragging my feet on making any more payments due to the poor condition of this vehicle exterior wise. The whole vehicle has been completely repainted except for the antenna fin on the roof which is the only original XXXX paint on the car The dealership used a cheap non XXXX XXXX to repaint the vehicle which is very upsetting I am attaching the certified vehicle appraisal with the repair estimate that I have already sent the lender I beg you please help me resolve this with either demanding the lender correct the loan to the correct amount The value of the vehicle in the condition that it is in being a unreported hail salvage and with the current damage the vehicle has that it was delivered with or cancel the contract and give me all my money back down payment and payments that I have made currently thank you so much for your help and taking the time to read this.

Company response to consumer: Closed with explanation