Date Received: 2022-09-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ally Fraud contacted me XX/XX/XXXX saying suspicious charges. I logged in and noticed someone had attacked my bank account for XXXX XXXX I immediately called Ally fraud said those are fraud I did not authorize the charges. Now 3 months later Ally has taken the money back saying the merchant said I used them for which I never have, dont even know who it is. I looked at the company online and they are known scammers and money laundering. They allow stolen money to be turned into XXXX. I provided proof to Ally I have not nor would ever use this fraud company, I did not authorize any charges, I can prove I was at home and not in Florida and I can prove my IP address was not used. For which of any transaction with that scam company were to happen they would have to have my, and prove, it came from my IP address which they can not because I didnt use. Furthermore Allys own fraud department knew it was fraud as they alerted me and I said unauthorized And by Allys own security policy any customer who says a charge is fraud is not held liable and they sided with a known scam fraud company. I researched online and I am not the only one Ally has done this too there are thousands of Ally customers That have had this XXXX company steal from that Ally has sized with and its clear Ally is in on the fraud with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership d/b/a XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX ) ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC XXXX - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership d/b/a XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX ) ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XXXX of XXXX my XXXX XXXX XXXX and purchased a XXXX XXXX XXXX with about XXXX miles right before the entire world shut down for XXXX. Had we known that we all would be out of work and Ally Auto XXXX would treat us with such unfair finance fees and late charges after suspending payments for about XXXX days would have not purchased a new vehicle let alone choose Ally Auto XXXX be our auto loan servicer. To say the least Ally has treated us like they are gangster thugs in suits!! And have continued with unfair credit reporting and fees. It feels like extortion. I cant remember exactly but we resumed payments at the end of XXXX, despite my father being hurt on the job at his place of employment and I now being out of work. Though imperfect, we started to make car payments throughout XXXX now into XXXX. We at one point in time paid Ally {$1000.00} on 2 separate occasions in car payments all while still making the regular payments in XXXX. We were told somehow that we were past due and we had to go through a XXXX ( XXXX XXXX XXXX to make payments because we couldnt make payments through the portal because the auto loan was in repossession status. We had to pay a fee to make that payment. We got on track for the most part but fell off track again because while the rest of the world opened back up during XXXX, XXXX XXXX remained on locked down. There was hardly any work unless you were an essential employee. XXXX XXXX didnt open up until XX/XX/XXXX. I vigilantly searched for work throughout XXXX. By this time my father was on XXXX XXXX being unable to work. We still were making some form of payments. In XXXX of XXXX, we got into what Ally called the Catch-Up Plan because they he charge so many late fees and finances charges. Didnt know that this was even a thing. They called, harassed, and threatened repossession almost daily for a long time like some type of thugs. At the time the agreement was to make {$720.00} payments under the catch-up plan. Ally at this time was demolishing our credit and we didnt know. Missed XXXX payment in the catch up plan and you would be kicked out. We didnt know that until we missed XXXX payment. I spoke to someone in a collections department at one time that said we could add the charges to the back of the loan but we hadnt made enough qualifying payments. Today in XXXX of XXXX that option is no longer available. Neither XXXX any other payment assistance at Ally because we dont qualify. We fought to get back into that catch-up plan. Supervisor wouldnt help until we finally got one that would. The amount had risen to {$760.00}. WOW! But. Weve now completed the catch-up plan. The last catch-up plan payment of {$760.00} was made XX/XX/XXXX. We figured we were finally on track and payments would be normal at {$610.00} starting XXXX of XXXX. That DID NOT HAPPEN! Ally is saying we owe as of today, {$1100.00}. Ive called to try and figure this out for the last 3 weeks. Calls were escalated to superiors and supervisors who have never returned my calls. I was told by a representative after completing the catch-up plan, we had to make the regular {$610.00} car payment the same month of XXXX. The regular payment of {$610.00} was due on XX/XX/XXXX. We were and still are appalled that this is even possible. Thats {$1300.00} in ONE the month!! But we didnt know this until theyve given us $ XXXX again in late fees and finance charges and the harassing calls have started again. Thats the {$610.00} plus {$500.00} in fees and counting AGAIN.We were going to refinance the vehicle but they unfairly reported to the credit bureaus excessively so throughout the pandemic from XXXX that we dont even have the scores anymore to get ANY TYPE OF CREDIT APPROVAL. How is it possible being that there was a pandemic and now were in a recession and havent missed a payment since we were in a catch-up plan? Talk about pain and suffering??? We can not afford to give Ally XXXX payments in XXXX month let alone $ XXXX in fees. But we need our transportation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, On XX/XX/2022, a fraudulent purchase was detected by Ally bank and I was notified immediately. I was then issued a new card that came in about 2 days later. However, I was only compensated for one fraudulent purchase by a website called XXXX for about {$40.00}. I was not compensated for another purchase from XXXX for a little more than a dollar despite the agent I spoke with saying she would get that taken care of. Normally, I would shrug it off, it's just a dollar after all... However, this morning ( XX/XX/2022 ), I received two more fraudulent charges for {$200.00} ( again from XXXX.XXXX, after asking an agent to blacklist that site ), and a new charge for about {$40.00} from XXXX.XXXX. After locking my card and asking for these issues to be addressed, I was told that I had to let the charges go through and dispute them afterward. Now, I won't be able to pay my utility bill on time because I will have to wait for the funds to get back. Meanwhile, someone out there is getting away with stealing almost {$300.00} from me. This is unacceptable, and Ally bank has yet to make a statement on this issue, despite it being very widespread right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The company name involve is XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance a used vehicle : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Reach out to the company the next day which was XX/XX/XXXX to Unwind deal which they said they cant do. I also brought up the Contract cancellation option agreement stating i can return the vehicle back by XX/XX/XXXX XXXX or a mileage less than XXXX. This is something that can be chooses between Accept and Decline. When signing paper I get I have a responsibility of Reading what i sign but Iam a first time buyer. I didnt know what i was doing/ signing for nor did the finance guy explain what i was signing for. He told me to sign everything that had the highlighted portion so i did. I did realize within the highlighted proportion i was given option until the next day. I contacted today ( XX/XX/XXXX ) again to reach out that I can not Insured this vehicle. I was unaware when leaving the lot to home that the vehicle wasnt insured. After many attempts on finding low insurance. It was hard to find insurance company to accept me. As of right now I can not insure this vehicle and if so I can not afford it. Insurance offer to me is more than the actual payment of the vehicle. Insurance looks like XXXX. My payment for the vehicle is XXXX. I honestly gave every correct information on gross income and everything when looking for a car. I came in to the dealership to buy another car that i kept in contact that they had but when i went they said they sold it when i got there but they have other options than proceed to sell me a car that was 2 time better than what i came in. Iam XXXX XXXX of gon na take on a XXXX car payment which if i want to drive gon na have to seek ridiculously amount of car insurance on top. There should be a law or something in place for a certain age to look at vehicle or buying a vehicle for a certain price. Like maybe an authorization. Again Im XXXX XXXX XXXX, first time buyer. I liked the car but realize it was a mistake. Tried everything to unwind the deal and give them back their car but nothing happened. I did a trade in for my other car. I would like to give back there car and them to give me back theirs. I mess up I realize and i need help. These people there were the nicest people they were very pushy and i was definitely taken advantage of. I need help thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2022 I was denied credit by ALLY FINANCIAL. I tried to call the bank to ask questions on why I was denied an extension of my own credit but was unsuccessful. I never gave the dealership XXXX XXXX XXXX permission to run my credit. they informed me that they were going to take a look at it but never mentioned how they were indeed going to run my credit. they then moved forward and had a conversation with with the bank ALLY FINANCIAL on how they wouldn't approve me because I had a late payment on a vehicle that is now paid off. I then received a letter in the mail from ALLY FINANCIAL stating that they inquired to the credit reporting agency to obtain a copy of my credit report that resulted in the credit reporting agency document ALLYS inquiry. I never gave ALLY written permission to obtain or run my credit only to be denied and for them to ask me for a down payment. I feel as I was discriminated against because of prior transaction that had absolutely nothing to do with them as a corporation. I was DENIED extension of my own credit based off of inaccurate reports. I've suffer financially and this has brought damages towards my credit and now have to deal with financial hardship. Please help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am a natural person. I am a living human being. I have rights under 15 USC 1681. Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed. According to 15 USC 1681. I have the right to privacy and did not give written permission to furnish this account. ALLY FINANCIAL XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 75 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$32000.00} from XX/XX/XXXX to XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I recently had a vehicle illegally repossessed ( 10 days ago, last Wednesday XX/XX/XXXX ) and have not been able to find out where to go to retrieve it. Furthermore, my personal property is still with the vehicle, and the bank has told two dealerships they have already sold the vehicle to auction, but I was never provided a Notice of Sale, or any information about where the vehicle was taken before, during, or after the repossession. It has been over a week, and I still am being told by the bank they don't know where the vehicle is. I am a father of XXXX boys and have a fiance and stepson. We are a family of XXXX. They are all depending on me and this Truck to XXXX XXXX XXXX. I believe I have been robbed of my family vehicle/ business asset. I use the truck to XXXXXXXX XXXX XXXX XXXX XXXX XXXX utilizing my XXXX. My business operations have completely stopped. I have nowhere else to turn. I know what has happened is illegal. The day they took it they said I had 5 days to get them the funds, and the next day they told myself and a sales Rep from XXXX XXXX ( XXXX XXXX XXXX ), that they had already sold the vehicle to auction with no receipts for the repossession or a Notice of Sale. The repo agent did not have any paperwork, he refused to give me any details on where my vehicle was going, and they removed my LICENSE PLATE. All he said was speak to your bank. I called Ally Bank while still in his presence, and the bank told me it was a formality, and they would bring the vehicle back as soon as they received funds. Since the moment the truck left They have lied repeatedly to me and 2 dealerships about what steps need to be taken to gain access to the vehicle. They told me I could not get my personal property until they were paid in full. I have tried to pay them SEVERAL TIMES. They told me they could not accept payment directly and to go through a dealership, which is what made me reach out to XXXX XXXX. My mother cleared out her 401K so that I would have the cash in time WHICH I DID. They refused payment while the vehicle was still in my possession and stole it the next morning via an illegal repossession, and I have been unable to locate the truck to pay it off, or even gain access to it to retrieve my personal property. Ally has continually given me the wrong information, including telling flat out lies about what I needed to do to get my truck back. They are still continuing to waste time and are still hiding my personal property from me as well. They are trying to waste time so I can not buy the vehicle ( Which is my legal right, after paying the lease off in FULL ). I have a quote from the dealership ; it clearly shows that I would owe more than {$4000.00} more to return the vehicle. It would be {$34000.00} to purchase out right. OR {$38000.00} to return the vehicle due to the mileage. I leased the vehicle 4 years ago, I paid the lease off IN FULL, and made an extra payment on the account after the lease ended because I was told I had an extension, and I have been trying to buy this vehicle for the agreed upon price, and they stole it after refusing payment, and are now pretending it is gone/lost/sold. Additionally, I have put over {$20000.00} of my own money into the truck to keep it running including {$7000.00} in XXXX. Currently, I am unable to work and XXXX XXXX XXXX. This entire situation has been insane. I also do have a willing witness, from XXXX XXXX XXXX XXXX. We have called ALLY BANK Dealer services and XXXX XXXX XXXX divisions several times together attempting to pay the vehicle off and they have repeatedly told the both of us, that they have sold the vehicle to auction, and do not know where it is. In Indiana They have to provide a Notice of Sale and wait 10 days after a vehicle repossession before the vehicle can be sold to auction they have hid my truck for 10 days now waiting to legally sell it, and then come after me for {$40000.00} in additional money for the mileage on the vehicle! The dealership was supposed to be getting the truck back. it has been gone over a week 10 days to be exact, and I have not heard from the dealership in XXXX, IN. since Monday XX/XX/XXXX I was speaking with the Finance Manager XXXX XXXX of XXXX XXXX and XXXX, in XXXX, IN. He has not returned my calls since Monday afternoon, and an email was sent to his boss General Manager XXXX XXXX on Tuesday XX/XX/XXXX. No reply thus far. I have also called his office phone which he has not returned any of my attempts to contact him
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A