Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
RE : Formal Complaint and Demand for Immediate Corrective Action Against Ally Financial XXXX NOTICE OF UNLAWFUL CONDUCT, HARASSMENT, AND INTENT TO PURSUE CIVIL REMEDIES To Whom It May Concern, This letter serves as a formal complaint and demand for regulatory intervention regarding the unlawful, deceptive, and harassing conduct of Ally Financial in connection with my auto loan account referenced above. In XX/XX/XXXX, I purchased a XXXX XXXX XXXX financed through Ally Financial. Immediately following origination, I made a good-faith request to modify my payment due date from the XXXX of each month to the XXXX of each month, consistent with my federal government pay schedule. Despite my full compliance and willingness to pay the loan in full and on time, Ally Financial has : Arbitrarily refused to modify the due date without citing any contractual or statutory authority Engaged in repeated and excessive collection communications, including harassing phone calls and emails Issued threats of repossession, despite my repeated offers of full payment Failed to act in good faith or provide reasonable accommodation despite clear financial alignment and payment ability This conduct raises serious concerns under, but not limited to : The Fair Debt Collection Practices Act ( FDCPA ) harassment and abusive collection practices The Dodd-Frank Wall Street Reform and Consumer Protection Act prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) Applicable XXXX consumer protection laws enforced by the XXXX ________________________________________ ADDITIONAL FACTORS MEDICAL HARDSHIP It should be noted that I recently underwent XXXX XXXX, resulting in a prolonged recovery period and temporary inability to work. This constitutes a material hardship condition, further triggering a duty of reasonable accommodation and good-faith servicing practices by Ally Financial. Their continued threats and refusal to cooperate under these circumstances may constitute willful misconduct and bad faith lending practices. XXXX FORMAL DEMAND FOR IMMEDIATE RESOLUTION I hereby demand that Ally Financial take the following corrective actions immediately : XXXX. Change the loan due date to the XXXX of each month without further delay XXXX. Remove and waive all late fees and penalties arising from this dispute XXXX. Accept full payment immediately upon confirmation of the due date change XXXX. Delete and permanently remove any adverse credit reporting associated with this account XXXX. Cease all harassing collection activity, including excessive calls, emails, and threats of repossession XXXX NOTICE OF ESCALATION Failure to comply will result in immediate escalation, including but not limited to : Filing formal enforcement complaints with the XXXX Consumer Financial Protection Bureau XXXX XXXX Department of Financial Protection and Innovation Pursuing civil litigation for damages, including claims for : o Emotional distress o Harassment o Unfair and deceptive business practices Seeking statutory penalties, attorneys fees, and injunctive relief Be advised : I am fully prepared to document over XXXX ( XXXX ) recorded contact attempts, which will be introduced as evidence of a pattern of harassment and bad faith conduct. XXXX CONDITIONAL PAYMENT NOTICE For the avoidance of doubt : I remain ready, willing, and able to pay this obligation in full, contingent upon Ally Financial correcting the improper due date structure and resolving the violations outlined herein. XXXX DEMAND FOR RESPONSE You are hereby required to provide a written response within XXXX ( XXXX ) business days of receipt of this notice confirming full compliance. Failure to respond will be interpreted as refusal to cure, and I will proceed accordingly without further notice. XXXX Respectfully,

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