Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/XXXX of XXXX I went to XXXX XXXX XXXX XXXX XXXX to test drive a XXXX XXXX XXXX. I allowed them to run a ( singular ) credit check to see if I had would get approved. They first had asked me if i would be able to pay a {$1000.00} down payment that same day I said that I would not and that I could try to at a later date. I never agreed to paying a down payment at all. They then upped the down payment amount to {$2000.00} and I told them again that I could try to. They then upped the down payment again to {$3000.00} and i repeated to them same thing I said the first two times. They proceeded to tell the financing bank that I had paid the down payment and also to me to tell the financing bank that I had paid the amount as well. So then it came down to getting car insurance for the vehicle i had told them I wasn't able to pay for the car insurance and that the amount of the car insurance was too high for me to afford monthly and that I would just come at a later date. At this point I was ready to go home because I had been there all morning, hadn't even ate breakfast. So then the dealership 's head manager offered to pay for my car insurance with a personal debit card. So they did and had their guy fill out my car insurance information and gave me a copy of the car insurance. Then it was time to sign the final documents with the finance manager. He called me in the office to sign the documents and proceeded to tell me to sign the documents without even telling me what the documents were or what they were for. So then they sent me home with car without any documents of the sale or a title application. So XXXX weeks later on XX/XX/XXXX of XXXX the finance XXXX texted my phone to sign the bill of sale and gap contracts stuff. After signing all those documents I thought I would receive the title application to the car. So I checked all the files he had sent over for me to sign and upon checking them I did not see a title application. So I asked the finance manager could they send me the title application, he responded telling me no they would need me to pay them a downpayment of {$3000.00} to receive the title application. I told them I never agreed to pay the down payment and I was no longer going to pay the down payment. I then asked for a copy of the Retail Installment Sales Contract and he also denied providing me a copy of it as well. So then 4 days later on XX/XX/XXXX of XXXX the deadline for me to have gotten a tag had passed and I was operating the vehicle without a tag because I did not have the title application to do so. This same day I had my customer interview with the financing bank to approve my financing application and after completing they approve everything and were sending me a welcome package. This was also the same day I had unknowingly committed fraud by doing what the finance manager aXXXX XXXX XXXX XXXX XXXX  of XXXX had told me to do. So then XXXX weeks later on XX/XX/XXXX of XXXX I go to the gym in my car to work out, and as I head out the gym to go my car and head home I see my car being towed. As I get my things out of my car the tow man asked for my keys and told me if i didn't give him the keys I would be sued, So I gave him the keys to my car. Me being a XXXX XXXX XXXX first car buyers I did not anything about these type of situations. I had called the bank to see if it was them towing my car and to figure out why, because I knew that they were the only ones who would have legal rights to. Upon calling the bank I found out that the finance manger at XXXX called bank on my behalf without my permission and told the bank that I did not want to continue with the purchase of the car and that i found issues with car and that i returned the car. They did this XXXX hours before having my car towed. The bank which Ally Financial then put the deal on hold because they were told I took the car back and I was no longer in possession of the car. The bank also did not call and verify any of the statements made of my behalf. And I tried to tell the back that I still wanted to go through with deal. The bank also informed me that the dealership had provided them with a copy of the retail installment sale contract, and they denied to provide it as well when I asked for it. The next I went to look into buying another vehicle for the time being and while doing so I found out that XXXX XXXX XXXXXXXX ran my credit over XXXX times which decreased my credit significantly and also has caused to not be able to get financing for another vehicle.

Company response to consumer: Closed with explanation