Consumer complaint received 2021-08-19
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX : Ally Financial Inc Account Number : XXXX I confirm that I have received correspondence via the Consumer Financial Protection Bureau by Ally Financial Inc. dated XX/XX/XXXX wherein you refer to the above captioned matter. 
The original contract that Ally Financial Inc. has produced shows agreement between XXXX XXXX XXXX and the Consumer. This misleading contractual agreement that has been presented to the consumer without full disclosure is in violation of 15 U.S. Code 1692e ( 7 ) this is a disservice and disgrace towards the consumer .and his/her informed use or consumer credit. ( See Exhibit b ) The statement Ally Financial Inc. has provided states that this contract was later assigned to Ally Financial Inc . This was done willfully without full disclosure to the consumer and original creditor. This is a demonstration that the contract agreement in which you have provided, is in violation of 15 U.S. Code 1692e ( 6 ) ( b ). This misleading transfer of security interest is an unfair debt collection practice towards the consumer and the nonconsensual distribution of personal consumer information from XXXX XXXX XXXX to Ally Financial Inc. is prohibited under 15 U.S. Code 1692e ( 10 ). Who authorized this transaction? I did not consent for my personal information or my credit card information ( SSN ) to be used, sold or transferred to Ally Financial Inc. during this consumer credit transaction between XXXX XXXX XXXX and myself. The transfer, and conspiracy to use of my credit card information is protected by 15 U.S Code 1644 ( a ) ( b ) ( c ) ( d ). This misuse of my nonpublic consumer information violates 15 U.S. Code 6801 ( b ) ( 3 ). Non-disclosure and unauthorized use of consumer nonpublic credit card information is prohibited. The term unauthorized use is defined under 15 U.S. Code 1602 ( p ). There is no Authority without consumer consent. This conspiracy of willful deception is Identity theft and fraudulent, a disgrace to informed consumer credit and each violation is fineable. 
The contract in which Ally has produced shows finance charges of {$5100.00}. According to 15 U.S. Code 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. The finance charge is the sum all charges. I have extended my credit I shall be financed for thus extension of consumer credit. I demand All Payments bbe refunded to the consumer under 15 U.S. Code 1692h. 
The correspondence Ally has provided in accordance with the repossession on XX/XX/XXXX, proves the unlawful threat and seizure of consumer personal property. Late charges were reported to the consumer reporting bureaus without the consumers consent and without a federal court order, federal grand jury or subpoena in violation XXXX XXXX XXXX XXXX XXXX b ) ( ii ). This has caused a detriment to the consumer, his consumer report and use of credit extension, the loss of personal property and personal finances in redemption on that property. This is unlawful harassment and prohibited under 15 U.S. Code 1692e ( 4 ). 




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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 non-monetary relief