Consumer complaint received 2021-12-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered in to a consumer credit transaction On XX/XX/XXXX, with ALLY FINANCIAL INC . This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, yet, Ally Financial Inc took {$6000.00} cash from me in order to allow this transaction. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle. 

I made a grave error in the operation of the alleged account with Ally Financial Inc and I continue to notice that they have willingly and deceptively not given me information that 15 U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. Ally Financial Inc is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do. 

Upon review of my contract in regards to my consumer credit transaction between Ally Financial Inc and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by Ally Financial Inc made the contract void. 

On XX/XX/XXXX, Ally Financial Inc received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. Ally Financial Inc violated 15 U.S.C. 1692 g ( b ). Ally Financial Inc proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. Ally Financial Inc failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. Ally Financial Inc has also failed to send any response to the notary presentment. Ally Financial Inc continued to accrue charges, fees, interest, and penalties against myself. 

On XX/XX/XXXX, Ally Financial Inc received and signed for the Notice of Lien. 
They acted more aggressively while failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to repossess my vehicle. Ally Financial Inc violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ). 

On XX/XX/XXXX, Ally Financial Inc called a member of my family and discussed the debt and their repossession order with this person. This call was recorded and Ally Financial Inc was informed about this. This is a violation of 15 U.S.C. 1692 c ( b ).

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