Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXia Certified Mail Return Receipt Requested * * Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : Formal Notice of Cease and Desist ; Demand for Debt Validation and Preservation of Rights * * To Whom It May Concern : This correspondence shall serve as my formal notice and demand pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq., regarding your alleged claim against me. I dispute the validity of the alleged debt in its entirety. This letter shall not be construed as an acknowledgment of liability, an admission of indebtedness, or a waiver of any rights, remedies, defenses, or causes of action available to me under federal law, state law, or common law. Any implication to the contrary is expressly denied. Accordingly, pursuant to 15 U.S.C. 1692g, I hereby demand that you provide competent and admissible evidence establishing your legal authority to collect this alleged obligation. Until such validation is furnished, you are directed to cease all collection activities. Specifically, I demand the following : 1. The name and address of the original creditor. 2. The complete account history, including an itemized accounting of all charges, interest, fees, credits, and payments. 3. Copies of any agreement, contract, promissory note, or instrument bearing my signature that establishes a legal obligation. 4. Documentation demonstrating a complete chain of title if the debt has been assigned, transferred, or sold, including all assignment agreements. 5. Documentation establishing that your organization possesses the legal authority and licensing required to collect debts within my jurisdiction. 6. The date of default, date of alleged delinquency, and documentation demonstrating that the applicable statute of limitations has not expired. 7. Verification that the amount claimed is accurate and legally enforceable. 8. The name, address, and telephone number of the current creditor, if different from the original creditor. 9. Copies of any judgments, arbitration awards, or court orders upon which you rely, if applicable. 10. The name of the individual who personally verified the alleged debt and the documents upon which such verification was based. Furthermore, you are hereby instructed to CEASE AND DESIST from all telephone calls to me, members of my family, my employer, or any third party regarding this alleged debt. All future communications shall be made exclusively in writing and mailed to the address listed above. Be advised that any continued collection activity without first providing the requested validation may constitute a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692c, 1692d, 1692e, 1692f, and 1692g. I reserve all rights to document any such violations and pursue any and all remedies available under applicable law. Additionally, if you have reported this alleged debt to any consumer reporting agency without possessing competent evidence sufficient to substantiate its accuracy, I demand that you immediately investigate the reporting and take appropriate corrective action as required by applicable federal law. Any reporting of information known to be inaccurate or incapable of verification may expose your organization to additional legal liability. Should you be unable or unwilling to provide the documentation requested herein, you are directed to immediately cease all collection efforts, close your file, and notify any consumer reporting agencies to which you have furnished information that the account is disputed and, where appropriate, request deletion or correction of any inaccurate reporting. Nothing contained herein shall be interpreted as consent to electronic communications, telephone communications, automated dialing systems, prerecorded messages, text messages, email communications, or any other form of contact not expressly authorized in writing by me. This correspondence is submitted without prejudice, with full reservation of all rights, claims, defenses, offsets, and remedies, none of which are waived or relinquished. Govern yourselves accordingly. Respectfully, XXXX XXXX. 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