Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX. 
At that time I negotiated, agreed to and signed the lease contract. I left the dealership with a copy of the signed lease and the vehicle on that day. My copy of the lease I signed and recieved reflects all the figures I agreed to during the negotiation process including NO disposition fee ( Box 3 of the lease contract ). I specifically negotiated this item with the salesman, before signing, because I wanted no disposition fee charged when I return the vehicle. He agreed, and that is reflected on my lease contract with NA written in Box 3 on every line for the Disposition Fee. 
XXXX years later on XX/XX/XXXX, I turned in the vehicle, under the mileage requirement and with no damages, and expected that to be the end of the lease contract. I called Ally Financial ( the leasing company ) to inform them that I was turning in the vehicle and at that time they informed me I would be charged a {$390.00} disposition fee for the car. I informed them that I negotiated No fee and that it is reflected in my copy of the signed lease. Ally began sending me invoices for the fee. I spoke to them a couple of times more to explain my situation. I sent them a copy of my signed lease. Additional conversations after that with Ally were unhelpful. They had no concern for my signed lease received the day of signing and were extremely rude over the phone. They said the fee would be handled by their collections people if I did not pay and it would affect my credit. At my continued request, Ally eventually sent me a copy of the lease contract that they had for my vehicle 's lease term. Their copy was identical to my copy except their 's had the {$390.00} fee posted in Box 3 of their contract. Their copy of the contract also had superimposed my identical initials and signature from each page of the document matching exactly to my copy from the day of signing. I do not know where they got their version of the contract with my same exact signatures on it after altering the figures and adding the fee. I was never told the figures would change nor was I given a copy of their version of the document over the XXXX years I leased the vehicle. 
At this time, XX/XX/XXXX, I attempted to reach out to the dealership, XXXX XXXX, in XXXX  XXXX since the XXXX XXXX dealership in XXXX had since closed. I spoke with finance director, XXXX XXXX, and provided him with 1. my original lease I signed and received, XX/XX/XXXX, the day of receiving the vehicle, 2. my letter to Ally on XX/XX/XXXX explaining that I negotiated no disposition feXXXX XXXX XXXX XXXX XXXXnvoice from Ally requesting the {$390.00} fee, 4. Ally 's copy of the lease they sent me which had the fee in Box 3 and my exact initials and signature superimposed onto their document. 5. A second bill from Ally requesting the fee, and lastly, 6. a second duplicate copy of Ally 's version of the lease in which someone initaled it with a stamp reading " This is a true and certified copy ''. As of today, XX/XX/XXXX, I have still not received a response from XXXX XXXX other than he is looking into it and to please be patient. 
I chose to file this complaint as I do not understand where or how Ally would have received a similar copy of the lease after the figures had been altered from what I had agreed to and signed, and my exact signatures superimposed onto that document. I also would like to solve this matter so it does not affect my credit history. 
Thank you for looking into this matter. 
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 monetary relief