Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/XXXX ( Purchase ) I went to XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XX/XX/XXXX ( Initial Transaction ) : I provided a {$500.00} cash deposit. I have bank statements and a printed dealership receipt confirming only {$500.00} was paid. It also shows an total invoice of {$2000.00} and an amount due {$1500.00}. I ONLY ever paid {$500.00}. Conflicting " We Owe/ You Owe '' Forms : The dealership issued XXXX conflicting versions of this form. The physical copy provided to me in-person acknowledges a XXXX XXXX XXXX XXXX XXXX XXXX. However, the version submitted in the digital loan package marks this section as " XXXX '' This indicates a deliberate attempt to hide mechanical defects from the lender. Undisclosed Balance : Both " We Owe/ You Owe '' forms fail to list the alleged {$1500.00} balance due, further proving that the financial terms of the deal were inconsistent and falsified across different sets of paperwork. XX/XX/XXXX ( Unauthorized Contract & Forgery ) : The dealership executed a finance contract using an unauthorized typed signature. This contract falsely claims a {$2000.00} cash down paymenta {$1500.00} fabrication. TILA Disclosure Violation : The contract violates the Truth in Lending Act. The federal disclosure box lists a {$0.00} down payment, while the itemization section of the same document claims a {$2000.00} cash payment. Systemic Odometer Discrepancies : There is a XXXX discrepancy between the recorded mileage on XXXX separate documents and the actual vehicle mileage when I took the car to the ford dealership XXXX XX/XX/XXXX.. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) : After multiple denials, I received a final denial letter from Ally Financial dated XX/XX/XXXX. XX/XX/XXXX ( Statutory Title Deadline ) : Dealership failed to provide a title within the XXXX Ohio limit XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX ) : I searched the XXXX and discovered no title record existed. Ally Financial confirmed on XX/XX/XXXX they did not have a title. I immediately left a voicemail for the XXXX XXXX to resolve these issues ; the dealership has never returned my call. XX/XX/XXXX XX/XX/XXXX ( Bad-Faith Cover-Up ) : BMV records show the dealership attempted XXXX panicked title filings only after the legal deadline had passed and I had attempted to contact management. The XXXX shows my registration was never transferred. Ally again confirmed they didn't have a title. XXXX & XXXX XXXX : The dealership collected fees for a registration transfer and temporary tag but never performed the services, leaving the vehicle without legal standing. Actions Taken by Me : Filed Ohio Attorney General Complaint # XXXX. Issued a formal XXXX XXXX via XXXX Mail on XX/XX/XXXX. XX/XX/XXXX FTC XXXX Report XXXX Verified title filing history via XXXX XXXX and my license plate records. XXXX of XXXX : As a direct result of the dealership 's fraudulent contract, forgery, and title/registration negligence, I am left with a vehicle that is illegal to operate and a loan based on falsified terms that I can not afford.

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