Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX and Ally Financial for Fraud, Misrepresentation, and Consumer Safety Violations Dear Sir, I am submitting this formal complaint regarding severe misconduct, fraud, and reckless endangerment committed by XXXX XXXX, XXXX XXXX XXXX, and Ally Financial in connection with the sale and financing of a dangerously defective XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Background of the Case On XX/XX/XXXX, I purchased the above-referenced vehicle from XXXX XXXX XXXX XXXX representation that it was a XXXX XXXX XXXX ( XXXX  ) vehicle that had passed rigorous manufacturer standards. The dealership provided me with a XXXX report showing no prior accidents or major repairs and falsely assured me that the car was in excellent condition. 
However, immediately after purchase, I discovered that the vehicle had severe hidden defects, including : Extensive flood damage, which was concealed at the time of sale and significantly compromised the cars electrical and safety systems. 
Prior frame and structural damage from an accident that was never disclosed. 
Critical electrical malfunctions causing the vehicle to swerve uncontrollably on its own, without any driver input. 
Severe safety risks, which nearly resulted in an accident with another vehicle carrying a baby on board. 
Substantial mechanical and structural issues requiring over {$20000.00} in repairs, making the car unsafe and unusable. 
Despite reporting these issues on the first day of ownership, XXXX XXXX refused to acknowledge or rectify the matter. 
XXXX. XXXX XXXX Role in Fraud and Misrepresentation Knowingly sold a flood-damaged and structurally compromised vehicle without disclosure. 
Misrepresented the vehicle as a Certified Pre-Owned ( CPO ) car, despite flood and accident history making it ineligible.

Provided an incomplete sale document where the Certified box was left unchecked, forcing me to correct it. 
Relied on a misleading XXXX report that omitted prior damages and repairs, despite internal knowledge of the cars history. 
Allowed the reconditioning manager to falsely claim that only the front bumper needed replacement, despite extensive flood and structural damage.

Delayed and misled me into believing that issues would be fixed, only to later claim they sold the vehicle as is. 
Pressured me into completing the purchase late at night ( around XXXX XXXX  ), making it impossible to seek an independent inspection. 
XXXX. XXXX XXXX XXXX XXXX and Deception Enabled and supported fraudulent sales practices by allowing XXXX XXXX to misrepresent the vehicle under its brand. 
When I contacted XXXX XXXX XXXX for resolution, their case manager abruptly disconnected my call when I attempted to record the conversation for evidence. 
XXXX failed to properly investigate my complaints and instead deflected responsibility back to the dealership. 
4. Ally Financials Unethical Conduct Refused to defer payments on a vehicle that was fraudulently sold to me.

Ignored its duty as a financial institution to verify the legitimacy of the vehicles sale and condition before approving the financing. 
Sided with XXXX XXXX despite clear evidence of misrepresentation and fraudulent conduct. 
XXXX. Legal Violations and Reckless Endangerment The actions of these entities violate multiple consumer protection laws, including but not limited to : Californias Auto Fraud and Lemon Law protections ( Song-Beverly Consumer Warranty Act ). 
Federal Trade Commission ( FTC ) rules against deceptive auto sales practices. 
Breach of contract, fraudulent misrepresentation, and negligent misrepresentation. 
Reckless endangerment of public safety due to a dangerously defective vehicle that could cause catastrophic accidents. 
Had an accident occurred, it would have been nearly impossible for me to prove my innocence because the vehicle acted irrationally on its own. Any eyewitness would have simply seen me hitting another car without understanding that the vehicles electrical system failed. This could have resulted in criminal liability, insurance penalties, and severe financial damages, all due to XXXX  fraud. 
XXXX. Supporting Evidence I have attached the following documentation to support my claims : Purchase agreement and financing documents. 
XXXX  repair records showing the dealership performed extensive repairs before sale. 
XXXX inspection reports confirming flood and structural damage. 
Communications with XXXX XXXX, XXXX XXXX XXXX, and Ally Financial. 
Photos/videos documenting the issues. 
XXXX. Requested Remedies I respectfully request that your agency immediately investigate XXXX XXXX, XXXX XXXX XXXX, and Ally Financial for fraudulent business practices, consumer deception, and endangerment. 
Additionally, I seek : Revocation of XXXX XXXX dealership license for fraudulent auto sales. 
Fines and penalties against XXXX XXXX XXXX for its role in the deception. 
Full financial restitution for my damages, including the vehicles cost, repair expenses, legal costs, and compensation for emotional distress.

Immediate suspension of payments to Ally Financial until the dispute is resolved.

Public accountability measures to prevent similar fraudulent practices in the future.

8. Conclusion The failure of these entities to act responsibly has caused me immense financial loss, emotional distress, and ongoing safety risks to myself and the public. I urge your office to take immediate and decisive action to hold them accountable. 
Please confirm receipt of this complaint and provide updates on the next steps. I am available for further discussion and can provide any additional documentation as needed. 
Sincerely,

Company response to consumer: Closed with explanation