Consumer complaint received 2023-11-27
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tn XXXX XXXX XXXX Legal Notice Please take notice to whom it may concern On the the date of XX/XX/2023 XXXX of Ally Bank opened a financially sealed file that did not contain her legal information then proceeded to view the document and made a decision of denial as a determination to the credited account, co-signed by XXXX XXXX creditworthiness, due to my knowledge XXXX was looking for a performance certificate, in which the the company is credited when the application was accepted as in good faith the company has failed a moral duty in financial banking there was not a remedy provided nor an procedure for the denial. Furthermore the laws govern by the secured party creditor on connected banking, understanding of being credited. 

15 USC subsection 1231 ( g ) 12 USC ( a ) I have a right to credit as the Secured party creditor, withholding credit from the Principal ( s ) and/or the asset ( s ) to my securities is security fraud. You are violating The Equal Credit Protection Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act and the Social Security Administration Act and XXXX  XXXX  XXXX since I have been denied, please retract my application and take notice of the 2nd part of this notice in which the account has provided an SSN on the record and for the record. 

Adverse Action *U.C.C 9-507 *FRCA 15 U.S.C 1681 ( A ) section 2 *Truth in lending USC 1605 *15 U.S.C 6802 ( a ) Notice Requirement in subsection 2 *31 U.S.C subsection XXXX *Title 15 U.S.C subsection 1605 - Determination of finance charge *15 U.S.C subsection 3123 - Payment of obligations and interest on the public debt *15 U.S. Code 1666b - Timing of payments *31 U.S. Code 5312 - Definitions and application *15 U.S.C 1692j - Furnishing certain deceptive forms At this time XXXX XXXX is requesting a refund of XXXX XXXX securities to be released past, present and future to said above account. 

FRCA 15 U.S.C 1681 ( A ) section 2 : States Transactions, experiences, and marks are to be excluded from the report. 

Furthermore, XXXX U.S.C XXXX - UNITED STATES payment of obligations and interest on the public debt and HJR XXXX. 
XXXX XXXX XXXX XXXX - Scope of prohibition a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction XXXX has committed an adverse action and document fraud. 

For remedy we are asking for the vehicle ( XXXX ) to be funded in full and the inquiry removed off the credit report. 

XXXX XXXX XXXX - CONTROL OF LETTER-OF-CREDIT RIGHT Please give notice to this Legal Notice in completion of request XXXX days any questions or concerns contact XXXX XXXX at ( XXXX ) XXXX or Email XXXX XXXX Best regards, : XXXX XXXX secured party creditor Attorney in fact for XXXX XXXX

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