Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of TILA Violations Dear Ally Financial, I am writing to formally dispute certain aspects of my loan agreement under the Truth In Lending Act ( TILA ). Upon reviewing the loan terms and associated disclosures, I believe the following violations have occurred : The itemization of amount financed says XXXX XXXX is {$920.00}, {$29000.00}, unpaid balance of cash price {$28000.00}. Monthly payment says four different amounts : {$830.00}, {$830.00}, {$830.00}, {$830.00} and is being reported as {$830.00} and {$830.00}. Finance charge says XXXX. Down payment says {$1000.00} but was not told if I required one or not. Has reported incorrected past due amounts and time/days, hurting my credit score/report tremendously. Report said account was closed/charged off/profit loss but was still reporting inaccurately, which is in violation of TILA and FCRA. 



I was not provided with the required notice of my right to cancel/rescind the loan as specified by TILA. Never was aware or was sent a 1099-C for vehicle. Tow company did not provide copies that I asked for. I had also sent cease and desist letters to Ally in XX/XX/year> via certified mail and over the phone and they proceeded to go to the address and harass my XXXX  veteran father about the vehicle. Two people went to his house and sat in the driveway for a while. I have green certified mail receipts with tracking numbers as well where I sent these letters to them, as well as notice of violations. Documents were not current documents, they were already printed off when we sat down as well as signatures being signed/not signed electronically. Sending payment owed checks/coupons. Has three different addresses for lending company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Threats of repossession that were not true. Causing emotional distress. There is a need for compensation for punitive damages and emotional damages as well. Violations : 15 USC 1692 ( j ), 1692 ( f ) ( 8 ), 1692 ( d ) ( 2 ), 1692 ( e ) ( 2 ) ( A ), 1692 ( f ) ( 7 ), 1692 ( f ) ( 3 ), 1692 ( f ) ( 6 ) ( a ), 1692 ( f ) ( 6 ) ( b ), 1692 ( f ) ( 6 ) ( c ), 1026.23., 18 USC 1348 ( 1 ) ( 2 ), 18 USC 1033 ( a ), 18 USC 1028 ( a ) ( 1 ) ( 2 ) ( c ), 25 CFR 11.417.

In accordance with TILA, I request that you review these discrepancies and correct any errors that may have occurred. Please provide me with a copy of all relevant documents, including the correct disclosures, so that I may properly review the terms of my agreement.

If you find that a violation of TILA has occurred, I ask that you take the necessary steps to resolve the issue, including adjusting the terms of the loan, issuing refunds, or providing other remedies as outlined under the law.

Please respond in writing within 10 days, or the time required by law, with your findings and any actions taken in response to this dispute.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation