Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, financed through Ally Financial. What should have been a straightforward purchase turned into a confusing and distressing experience. 

Before going to the dealership, I communicated with XXXX XXXX by text and received written quotes showing an out-the-door price of around {$43000.00}, including all taxes and fees. The vehicle was listed online with XXXX miles. 

While speaking with XXXX about the vehicle, I informed her that I had outside financing through XXXX XXXX XXXX which already included XXXX  coverage for {$490.00} at an interest rate of XXXX XXXX. After I disclosed that, she had the dealership redo the proposal, and the price suddenly increased by about {$2000.00}, raising the total to approximately {$44000.00}. This change is clearly reflected in the proposal messages and documents exchanged before the purchase. 

When I arrived at the dealership, the finance manager told me they dont like using XXXX XXXX because their checks arent made directly to the dealership, and said Ally could beat their rate. While Allys rate of XXXX XXXX was slightly lower, the finance manager used that small difference to pressure me into switching financing without disclosing that the Ally contract included thousands of dollars in hidden add-ons. 

He told me, Everything is within the monthly budget you mentioned, and then rushed me through the signing process, repeatedly saying sign, sign, sign. I told him I had to be at work soon, but nothing was explained or reviewed in detail. I was not shown any cost breakdowns or given an opportunity to decline optional products. 

I agreed to have XXXX coverage, but the price was never disclosed to me. The finance manager never stated the cost or showed where it was listed. I assumed it was the same {$490.00} XXXX included in my XXXX XXXX approval not a separate {$1200.00} charge rolled into the financing. 

That following Thursday, my wife went over the paperwork and discovered multiple discrepancies and unauthorized charges : The contract lists the mileage as XXXX, not the XXXX that was advertised. 

My drivers license number includes an extra digit. 

The insurance acknowledgment form lists a {$500.00} deductible, but my policy deductible is {$750.00}. 

A {$5900.00} warranty, a {$1200.00} XXXX XXXX, and a {$1700.00} XXXX XXXX  package were included in the financing without my knowledge or consent. 

The {$1700.00} We Owe amount, which appeared to represent money owed to me for prior obligations, was instead rolled into the financing as a paid add-on, disguised as the XXXX package without my authorization or explanation. 

The XXXX XXXX XXXX  rate, while slightly lower than XXXX XXXX, resulted in a much higher overall cost due to these undisclosed items. 

These errors and hidden add-ons inflated the total from the original quoted {$43000.00} ( in house financing ) {$44000.00} ( outside financing ) and to {$51000.00}, nearly {$8000.00} more than what I was told and agreed to. 

On XX/XX/XXXX and XXXX, I emailed both XXXX XXXX and Ally Financial formally requesting rescission of the contract due to misrepresentation and nondisclosure. On XX/XX/XXXX, I mailed certified rescission letters to both, and on XX/XX/XXXX, I followed up with XXXX XXXX XXXX and CEO. Ally acknowledged receipt and opened a case but has not provided a written resolution. 

This situation has caused ongoing financial and emotional stress for my family. I feel I was rushed, misled, and taken advantage of, and that I was not given a fair opportunity to understand the contract I was signing. 

While my signature appears on the documents, it was obtained under rushed and misleading circumstances. Key terms, product prices, and loan details were not disclosed prior to signing. I am therefore requesting relief based on misrepresentation, nondisclosure, and lack of informed consent under the Truth in Lending Act and Unfair and Deceptive Acts and Practices laws.

Company response to consumer: Closed with explanation