Consumer complaint received 2022-08-12
Company: ALLY FINANCIAL INC.
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Good Morning, my name is XXXX XXXX and I'm reaching out in regards to XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) sending in attempts to unrightfully repossess my vehicle from me due to me not having my plates registered. I'd like to inform you that I've made multiple attempts to get this issue resolved but have been unable to do so because XXXX had sold me a Vehicle without them having access to a Clear / Coherent Title. 

I have a letter from the XXXX XXXX Clerks Office given to me by XXXX XXXX whom is the ( DEPUTY COUNTY CLERK ) on ( XX/XX/2022 ) expressing that the Vehicle that was sold me was registered NEITHER in XXXX or Ally Financial 's Name but rather " XXXX XXXX XXXX '' and in order for me to obtain such requests " either XXXX or XXXX XXXX would have to get the title in their name before it could be transferred over to me. '' and therefore this would suggest to me that the vehicle had been unlawfully STOLEN from its previous owner, transported from XXXX XXXX, to XXXX, and then sold to a young unsuspecting Out-of-State Resident in XXXX Wyoming. I have reached out to the XXXX in XXXX that had sold me the vehicle and it was explained to me over the phone that they " no longer had my information in their system. '' From one of their representatives XXXX XXXX. Which drew my concern After which I was instructed to call their main HQ and spoke to XXXX ( last name refused to be disclosed ) from XXXX XXXX XXXX XXXX XXXX on ( XX/XX/2022 ) ( Case # : XXXX ) who after I explained the situation to told me to give them time XXXX for a response which I have not received. Since then, XXXX has submitted a payment to my financing bank Ally Financial WITHOUT MY DISCLOSURE in hopes to obtain the vehicle secretly. I have reason to believe my consumer rights are being violated, after being informed from Ally Financial that they have not been informed why they have made attempts despite all my payments being made in full without missing any. 

Ive contacted the Reposession Service whom XXXX has now sent to collect said vehicle from me XXXX XXXX based out in ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Theyve informed me that they can not stop their efforts to attempt to collect my vehicle without the say so of XXXX ; but are unaware of why theyve been sent despite having made payments. 

Ive sent a Consumer Report about Fraud to the FTC XXXX Federal Trade Commission ) Case # : XXXX Ive spoken to the Sheriffs Department in XXXXXXXX XXXX 

Ive spoken to Ally Financial whom is my Financee for the car. Theyve sent me emails informing me my car is paid in full, theyve sent me an email about the release of my Lien/ Title but after speaking on the phone for one hour theyve informed me my title to the vehicle will be rerouted to XXXX without disclosing it to me. Ive been spoken to aggressively by XXXX in their customer service dept. 

Ive Informed the Wyoming Attorney General And Investigator XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Complaint Case # : XXXX Ive spoken to the Colorado Attorney General Ive Informed the Deputy County Clerk XXXX XXXX XXXX Deputy County Clerk ) Ive Contacted XXXX about the status of my AutoLoan which has been ( closed ) and paid in full as of XX/XX/2022 ( 3 days after I contacted XXXX ) WITHOUT MY DISCLOSURE!

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