Consumer complaint received 2016-04-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Good Morning, In XXXX XXXX I reported to ALLY financial that I was filing for Chapter XXXX Bankruptcy. I provided them the name of my attorney and paid the attorney for bankruptcy. The attorney and I met and there was needed documents ( Taxes, Income Statements from my divorce ). 

In short the bankruptcy was delayed. ALLY then tried to take advantage of this window and turned over the collection of this debt to a third party. ( XXXX ) XXXX XXXX XXXX. XXXX knowing the they had a small wind to recover the XXXX employed tactics that frankly I have never heard of in 46 years of existence. First, Somehow they got my sister address. They showed up in the middle of the night at my sisters residence and demanded that she produce the XXXX. Mind you my sister had no idea what we they were talking about as at this time she was unaware that her brother had to file bankruptcy. When she ignored their written demands, they peppered her and her neighbors yard with red and white flyers that read " XXXX case number XXXX '' they hand wrote comments on the flyers saying " WE NEED YOUR XXXX '' " Why wo n't you call '' ETC ETC. The problem is that my sister had no knowledge of my bankruptcy filing. Shortly thereafter, I contacted a local attorney XXXX XXXX XXXX for assistance. 

After intentionally committing third party disclosure under the Fair Debt Collection practices act, They then received a call from me telling them that the debt was being filed in bankruptcy court. They stated to me that until the court accepted the case, they could use whatever measure needed to recover the car. I told them that was fine but they were not to harass my family. I must say they heeded this advise and to date have not contacted my sister nor Parked there tow truck behind her vehicle or called upon her neighbors again. Instead ... .. 

Somehow, the got the address of an old girlfriend. On XXXX XXXX XXXX they showed up at her home and threw red and white flyers all over her driveway. It being a windy morning many of these flyers ended up in yards throughout the neighborhood. These flyers stated " XXXX XXXX UNDERLINE BIG BOLD PRINT " XXXX XXXX XXXX XXXX NEED XXXX '' PHONE NUMBER XXXX NO NAME ATTACHED. 

Needless to say, this was the straw that broke the back. I received a call from my old girl friend. She was not happy. She gave me the phone number to all of her neighbors that she knew and asked me to call them all to explain to them that she is not in debt to anyone. She further requested that I come and clean her yard of all of the flyers as she has a XXXX and is unable to do so herself. 

I beg the Consumer Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they have gone unchecked by anyone and believe they can violate federal law at their leisure. I beg of you to require them to honor the law. I beg of you to insure they follow the law and further I beg of you to protect future consumes from their practices. 

XXXX XXXX Ga 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