Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX and Ally Financial for Lemon Law Violations, Fraudulent Practices, and Repossession I am writing to file a formal complaint regarding the fraudulent and unlawful actions taken by XXXX XXXX XXXX XXXX and Ally Financial in connection with the purchase, financing, and repossession of my vehicle. I seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) to address these issues and obtain a resolution. 

Vehicle Information : Make : XXXX Model : XXXX XXXX XXXX Year : XXXX VIN : XXXX Summary of Events : I purchased the above vehicle from XXXX XXXX XXXX XXXX on or around XX/XX/XXXX. From the start, I faced ongoing mechanical issues with the vehicle. After a few weeks of struggling with the problems, I reached out to my salesman, XXXX, on XX/XX/XXXX, to express my concerns. I explained that I believed the vehicle was defective and I suspected I had been sold a lemon. I waited a few weeks for a response but never received a reply. XXXX did not return my calls or respond to my concerns in any meaningful way, leaving me feeling ignored and vulnerable. 

I was misled by XXXX and XXXX XXXX XXXX XXXX, who assured me that the vehicle had been repaired, but the mechanical issues persisted. I also believe I was misled about the GAP insurance, which was added to the purchase under unclear terms, as well as the financing, which included an unreasonably high interest rate. Even though I paid off the loan early, I was still required to pay the same high interest rate, which I find unfair and predatory. 

After enduring continued issues with the vehicle and no resolution from the dealership, the car was eventually repossessed by Ally Financial. The repossession was carried out in an unprofessional manner, with the location of the vehicle not being disclosed to me until the day of the scheduled pickup. Additionally, I was told I could retrieve my belongings from the vehicle, but when I called Ally Financials customer service, I was informed that the person I had been directed to ( XXXX XXXX did not work there. This was misleading, as Ally Financial had confirmed this information to me earlier. Worse yet, my personal belongings were stolen during the repossession. 

I am requesting that the CFPB help me resolve the following issues : XXXX. Lemon Law Violations : The vehicle I was sold was defective and never adequately repaired, and I believe it qualifies for Lemon Law protections. 
XXXX. GAP Insurance Fraud : The GAP insurance was misrepresented to me and added without my full understanding or consent. 
XXXX. Unfair Loan Terms : The loan I was provided included unfair terms, especially the high interest rate that persists despite early payment. 
XXXX. Unprofessional Repossession : The repossession process was handled poorly, and I was misled regarding the location and ability to retrieve my belongings. 
XXXX. Stolen Belongings : My personal property was taken from the vehicle during repossession, and I was given false information about retrieving them. 
XXXX. Lack of Communication : My attempts to resolve the situation with XXXX, the salesperson, were ignored, leaving me with no clear course of action. 

I believe this matter qualifies for XXXX XXXX compliance violations, and I request that the CFPB help me get the down payment and payments Ive made refunded, along with the cancellation of the GAP insurance and any fraudulent charges. I also request the removal of any negative marks from my credit report related to this issue. 

I would greatly appreciate the CFPBs assistance in resolving this matter swiftly. This situation has caused significant stress, and I am looking for a fair resolution.

Company response to consumer: Closed with explanation