Consumer complaint received 2024-07-14 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: TN

Complaint narrative:
Hello as I recently study more about my loan and find more that the lender intentionally hide the consumer information of benefiting without letting them know I went to dealer to buy a car with trade in and I kept insisting I saw thr advertising thr car after discount and other whatever total be XXXX bsck n forth they still sell the car for XXXX and finace amount about XXXX less and I found the manager deal capp info show XXXX and fiance charge included alot of thing that pretty much cover everything as stated 12 CFR & 1026 and 15 usc 1605 also the email from manager finace charge included everything so if my XXXX amount finace included on the car XXXX sale they added many additional charge fee n warranty purchase on top of the XXXX sale with the total of XXXX balance and XXXX amount finace included so if my XXXX fiance included so it should be XXXX + XXXX amount finace And 15 usc 1605 finace charge included a insuracne for lender that if the consumer default is pay out so I default and they repo my car so they intentionally misinformed the consumer becuaee they technically already recieve or been over the whole car pay off from insjrace and yet repossession consumer vehicle and falsing consumer ton pay a debt that been pay off they didn't want to let consumer knowledge when is come to benefiting the consumer they hide the truth and instead gotnpay by insurance and collect more money off a debt that been pay off and yet the lender ally financial insist that the contract was between consumer and the dealer they just in and purchase the contract only but due to my studies nown as I saw the email from the dealer customer retention manager thr vehicles was PURCHASE and finace institutions from ally financial so since it was finace from the very beginning the consumer never directly recieve the loan to purchase the vehicle this whole concept from the lender and dealer working as a team to taking advantage of the consumer saying they purchase the contract in order to void certain thing behind the close door of the dealer and lender and my first repo was after default maybe the XXXX month but since finace charge have insurance they already been pay off since the default of the first XXXX and XXXX month default pay off vehice and they voilate 15 usc 1692 False and misleading information away consumer benefiting and still impose the consumer to a debt thay doesn't even exist and since this whole package wasn't purchase and finace we consumer never directly received the fund to purchase the dealer and finace to the lender this whole retail installation agreement and purchase the contract concept all doesn't even exist and my dealer system show XXXX sale which suppose to be XXXX but in the retail contract show XXXX and they added tax fee and maintenance fee XXXX as the manager say includeded and intentional add on top for consumer to pay and charge I terest on something that the amount fiance XXXX included wow what a fraud how deep can they go to harm consumer financial tonthe depth they can if I go XXXX and order fri drink and sandwich even a stranger casiher would say hey I can change it to a combo meal and save more but stil get the same food that u order am I right? Even a casiher will share the knowledge to a total stranger consumer a better deal but no they intentionally add and add and make consumer financial harm also my trade in value was XXXX and they ask me how much I owe XXXX but why my contract show they pay off the old loan was XXXX what else can they. Fake now

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