Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was pressured by the salesman to purchase newer model of my XXXX vehicle and I asked for the oil change warranty and he had me under the impression that I was receiving the product. The salesman man then told me that my credit score was XXXX and I needed a co-signer. I called around and after being pressured by the salesman, I called my daughter 3-4 times pressured her into to co- signing for me to get the vehicle. After signing a few documents, the salesman then came back to tell me that he wont be able to trade with my XXXX vehicle and he told me to just leave it parked on my street and let the bank come and pick it up, or see if I can get someone I know to take over the payment for the XXXX vehicle. I did drive off with the XXXX vehicle but I was not given any of the documents I and my co-signer signed. I noticed that I didnt have any paperwork after a few months. I called the dealership about the problem and they told me that they would mail it to me. After a few weeks I called again but was not helped and I told them that I was going to pick up a copy. I picked up the envelope that contained the documents and put it in a safe place at home. A month or so later I received a call from my daughter upset that she was denied the refinancing of her vehicle due to the credit report saying that she purchased a new XXXX XXXX XXXX and she explained that she was only the co-signer for the XXXX vehicle. She was very confused and I told her that I was in the area XXXX and I would pick up another copy because I was out working and not at home. Long story short, they switched me as the buyer and my daughter as the co-signer. The evidence shows that I signed in blue ink and my daughter in black ink and you can see where they switched the signatures. And both copies I picked up are photocopied and not the original contract. I did mail All of this evidence to the CFPB in XXXX or XXXX but I havent heard anything back. In XX/XX/XXXX the first complaint I sent was to the XXXX  and the company responded with more fraudulent documents, one of which is a newly forged customer copy of a contract with forged computer generated signatures and a date saying that we signed on XX/XX/XXXX, which is untrue and not correctly stated. I called the warranty company to confirm that they gave me the correct product and they sold me a different product than what I asked for and they changed the contracts on the warranties without consent or sent out any notice of the change prior to changing them. And the new fraudulent contracts have no signatures on them but they have the fraudulent date of XX/XX/XXXX on them. They have filed a writ of possession for the vehicle and we were not properly served and the company has submitted all fraudulent documents to the court and they are deceiving and misleading the court and judge. The response letter the company responded to, the relations department manager named XXXX admitted to the changing of the contract and that they purchased the installment agreement contract from XXXX XXXX and not the lender of any amount loaned.

Company response to consumer: Closed with explanation