Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
1. I am of legal age and competent to make this affidavit.

2. I have personal knowledge of the facts stated herein, and all statements made in this affidavit are true and correct to the best of my knowledge and belief.

3. The matter herein involves the trust account for XXXX XXXX XXXX and XXXX XXXX XXXX associated with account number Social Security numbers WITH NO DASHES. The social security numbers used in the Buyers Order to purchase the vehicle of VIN # XXXX Per 15 U.S. Code 1691 ( a ) was signed by the Authorized Representative, XXXX XXXX and XXXX XXXX who in turn created the payment for the full purchase amount of vehicle of {$35000.00} with VIN # XXXX, described as a XXXX XXXX XXXXXXXX, XXXX. The Authorized Representative, XXXX XXXX XXXX not liable for payment. The promissory note that was created as the Buyers Order was then Endorsed on the back in turn releasing XXXX XXXX XXXX XXXX XXXX liability. The dealership, XXXX, that endorsed the back of the payment as the liable party now becomes liable for the payment. Therefore Ally Financial should be collecting from the endorser of the promissory note. I, Authorized Representatives, XXXX XXXX and XXXX XXXX were NEVER responsible for the terms and conditions of the Loan and security agreement making it fraudulent.

4. The MCO should have been given to the Authorized Representative once the Buyers order was signed as proof of ownership. Instead XXXX had the XXXX destroyed by the Tag and Registration office and then used the title to place a fraudulent XXXX on a vehicle that was bought and paid for with the Trust account and Social Security Account number. 
4. The Authorized Representatives can not be held liable for a the Retail Installment Contract as the Authorized Representatives we fraudulently coerced per 12 CFR 360.6 ( 2 ).

5. The Authorized Representatives were not aware at the time of signing that they were creating the payment in full to XXXX and that XXXX XXXX XXXX and XXXX XXXX were XXXX XXXX XXXX in that Buyers Order. The Authorized representatives NOW are aware of the positions held in the Buyers Order and that XXXX is now the liable party. 
6. The Authorized Representatives now understand how the fraudulent activities of XXXX and Ally Financial were used against them, without knowledge in the purchase of the vehicle Per 15 U.S. Code 1691 ( a ) 7. The contract was also fraudulent as XXXX illegally forced the Authorized Representatives into placing a cash down payment in the amount of {$550.00} per 15 U.S. Code 1605 ( a ) 7. I am now aware of contract laws and consumer rights laws concerning the securities the Authorized Representatives SIGNED under deceitful and fraudulent wrongdoings of of XXXX and Ally Financial. 
8. I am aware that I am owed all of my securities back that have been paid including the interest and Down Payment to XXXX and Ally Financial. 
9. XXXX is unable to provide me with a wet ink signed buyers order even though I have asked for this document three times.

10. XXXX auto finance also stole my trade and made a additional {$16000.00} off a vehicle that the Authorized representatives never even needed to trade. 
11. There is no timeline for the right to rescind based on fraudulent activities of the bankrupt corporations that defrauded me and stole the securities of XXXX XXXX and XXXX XXXX XXXX 
XXXX. I declare under penalty of perjury under the laws of the State of Florida that the foregoing is true and correct.

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