Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Subject : Deceptive Vehicle Sale, Conditional Financing Misrepresentation, and Improper Spot Delivery Practices Complainant : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Phone/Email : XXXX, XXXX Dealer : automation chevrolet airport XXXX XXXX : Ally Financial ( or applicable lender ) Vehicle : XXXX chevrolet equinox Date of Delivery : XX/XX/XXXX I am filing this complaint regarding deceptive and unfair practices during the sale and financing of a vehicle. I was allowed to take possession of the vehicle on XX/XX/XXXX, based on representations that financing had been approved or was secured. However, the financing was not finalized or formally approved until approximately XX/XX/XXXX. This created a misleading spot delivery or conditional sale situation where I was induced to take possession of the vehicle under false or incomplete information regarding financing approval. I am requesting investigation and relief, including cancellation of the transaction and return of funds paid, or alternative fair resolution. On XX/XX/XXXX, I entered into a vehicle purchase agreement with the dealer. At the time of signing and delivery, I was led to believe that financing had been approved or was guaranteed. I was permitted to leave the dealership with the vehicle the same day. I relied on the dealers representations and took possession of the vehicle in good faith. However, the loan was not actually approved or finalized until approximately XX/XX/XXXX. This delay indicates that financing was not secured at the time of delivery, despite the dealer allowing me to take the vehicle. Misrepresentation of Financing Status I was led to believe financing was approved or secured at the time I took possession of the vehicle. This representation was material to my decision to complete the transaction. Improper Spot Delivery/ Conditional Sale Abuse The dealer allowed me to take the vehicle without finalized financing, creating a conditional sale structure that was not clearly disclosed or properly explained. Unfair and Deceptive Trade Practices The delay in financing approval and lack of transparency created financial uncertainty and potential exposure to unfavorable loan terms after I had already taken possession of the vehicle. Failure to Provide Clear and Accurate Disclosure The dealer did not clearly disclose that the transaction was contingent upon later financing approval or that terms could materially change after delivery. As a result of these actions, I experienced : Financial uncertainty and potential exposure to unexpected loan obligations Loss of informed consent regarding the true financing terms at the time of purchase Emotional and financial distress due to the delayed and unclear loan approval process RELIEF REQUESTED I respectfully request the following remedies : Cancellation of the vehicle sale and return of all funds paid, including down payment and any related fees ; OR Full investigation into the dealers financing and delivery practices ; OR Alternative fair resolution, including loan restructuring, fee reversal, or settlement compensation I also request that this matter be reviewed for potential violations of federal and state consumer protection laws regarding unfair and deceptive trade practices. I can provide : Purchase contract and financing documents Any written or electronic communications with the dealer Loan approval timeline documentation Payment records and account statements I am requesting a full review of this transaction due to concerns that I was induced into taking possession of a vehicle under misrepresented or incomplete financing conditions. I believe this constitutes unfair and deceptive conduct that warrants regulatory intervention and corrective action.

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