Consumer complaint received 2021-10-11
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - XXXX. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as ALLY FINANCIAL has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) in order to verify what has occurred with this account ending with account number - XXXX for ALLY FINANCIAL to come back and say I owe any such alleged debt. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the ALLY FINANCIAL is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by ALLY FINANCIAL and ALLY FINANCIAL would be liable for creating a false and deceptive form under 15 U.S.Code 1692j. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand an insurance audit trail in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) to verify proof of the insurance or proof of any claims associated with this account ending with account number XXXX. Without this I can not verify, and there can not be any valid claims of alleged insurance of any loan on the alleged debts owed in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce.

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