Consumer complaint received 2024-01-20
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ally Financial, they were given multiple opportunities to not only remove the information from my profile in which I did not give them any consent, but to also prove that I owe them anything pursuant to an " alleged loan that they so called gave me according to their representatives ' ''. They are also committing language fraud by use of certain words when it clearly states in their 10K and 8K Indentured Trust documents at the top that they " DO NOT COMMIT LANGUAGE FRAUD '' but they do just that. It says that they've signed in their security agreement with the Security Exchange under 17 CFR 424, that they will not commit language fraud or solicitation. They've also waived their rights to receive any 'so called payments ' when they've blocked my first attempt of having my friend, XXXX XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX, to make any so called payments to this so called loan using his account to help me bring the balance current. My friend can contest these events and is willing to be a witness to more than a couple incidents in this regard. 
They even went as far as telling me in writing that I don't have any rights and over the phone. We have some of these phone conversations including them telling me that they couldn't accept anything other than a certified Bank check before stealing my consumer household goods. 

Prior to stealing my household consumer goods without just compensation, I warned them that they were breaking the consumer laws by ignoring my right to rescind any portion of the alleged one sided agreement that I allegedly gave them consent to do. However, I believe that my information and the cosigner information and signature may have been copied and pasted on other documents in order to bind us to these one sided agreements. I've also indicated to them that no one from their corporation showed up in person to give me any loan or money. Another thing that I've mentioned to them in the Affidavit regarding the rescission of my signature is that I do not want them to sell my information and to opt me out of that, and they responded that I don't have that right to do that. 

The federal reserve states that banks and financial institutions can't lend on their own money. However, according to a friend of mine who has their own financial institution that lends to real estate investors, they pool notes from depositors or investors and lend other people 's money on fractional reserve including using certain IRS forms triple dipping. Their actions are contrary to 12 USC section 1431, Powers and Duties of banks. The most troubling piece to this by far is that i've found out through a third party that they've made millions from my signature and my cosigner signature constantly selling the same contract over and over again without even compensating us for the use of our signatures, because without us putting our signature on that document they couldn't make any interests. For this matter I've invoked the IRS for identity theft and tax evasion and how they are moving the money around that they are stealing from consumers. 

They used my household goods as a way to extort more money from me other than the note ( aka ) security that they received from me. As before and after taking my consumer household goods. They've used both the so called contract as an asset including my personal property ( aka ) household goods. They've waived their right to cure this situation when they stopped me from making an online payment and a payment over the phone. They've made this situation worse than what it is. This is pure greed, usury slavery/peonage, fraud in the factum, deception, racketeering, theft by stealing our interests and putting it all into a pool with other investors while moving it all into trust for their indenture trustee to manage. Charges shall be brought upon all of these criminals and I'm seeking that all of their businesses and personal bank accounts be frozen until investigation is completed. I will be also sending the most recent affidavits that they've avoided to reply upon what was being requested as evidence, including an affidavit of truth for them to sign under penalty and perjury in good faith but was ignored, which validated and indicates their fraud and deception. 

Regarding Ally, the Previous Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received XX/XX/2023 at XXXX The very most recent notice sent out to them, was ( Notice and Default and Failure to Respond ) with intent to sue Tracking # XXXX XXXX XXXX XXXX XXXX In regards to the scammers running Ally to commit fraud in the factum : to remedy this situation, the only option after violating all of my rights, for identity theft under 5 usc section 522a causing me severe damages, emotional stress, depression to where I just want to give up on life, invasion of privacy, selling private information to third parties, sending people to follow me, fear of loss of credit opportunities, losing multiple opportunities, completely embarrassing me at a location they've stolen my property without just compensation including following me at a location I've never gave them by stalking me, including disturbing the peace by stealing my automobile at my work place I've never gave them, including almost running down a security officer at my work place while being told that they're disturbing the peace, I'm seeking for them to remove the account from me and XXXX XXXX XXXX XXXX credit profiles and also monetary relief in the amount with interest pursuant to the terms of the tacit agreement for each day that they continue to violate without compensation, from the time they were warned to now and each day after until it's removed and I receive monetary relief. I'm also seeking for the FTC and FBI and others to charge them for such crimes and to go after them to investigate these matters as well for all other consumers as well. I no longer want to waste anymore time going back and forth with these individuals who are running these fraudulent businesses stealing money and interests from the true creditors. Something has to be done immediately about this because they will continue to violate me and others without any respect to the consumer laws or law in general. They are using Delaware Corporations because they can get away with fraud. 

Furthermore : I'm demanding that none of their Attorneys or Lawyers reach me or get involved in these matters because they have no first hand knowledge of these matters and anything they say is hearsay. My issue is with the people who are hiding behind companies violating my rights by committing fraud in the factum by deception to get wealthy and language fraud. If any Attorney/Lawyer continues to help them, then this will only prove that they are aiding and abetting these individuals and they are also liable shall be treated as wilful participants as well as contributing to these actions. This is due to the fact that they know exactly what these individuals are doing but yet they participate in these illegal and unlawful actions wilfully for currency. I refuse to accept anything else including any arguments from any of these people considering the fact that they waved an opportunity to cure these matters and it will only be a stalling tactic as usual. I've never even received an opt out notice from these individuals, although I've already written to them in writing to opt me out over six months ago but they refuse to do so. So with that said, I'm the owners, representatives, board members of Ally, including the information I've already disputed multiple times with the Credit Agencies to opt me out : I'm demanding for these companies to opt me out under 16 CFR section 313.7 Forms of opt out notice : ( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Also to remove the disputed accounts from my credit profile immediately. 
Again, the documents that I've sent to these scammers who are running these companies, I will be sending the same documents to the CFPB, the Attorney General, the FTC, the FBI, and the S.E.C, so that charges such as conspiracy against my rights, racketeering, identity theft by misrepresentation of my information and other, extortionate credit transactions, fraud in the factum and more, can be brought up against these people. I urge the FBI and the FTC to freeze both their personal and business assets to investigate this.

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