Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Subject : Unfair, Deceptive, or Abusive Practices related to Auto Loan Servicing and Illegal Debt Collection/Harassment Account Takeover by Dealer ( XXXX XXXX XXXX XXXX, with critical events in XXXX and XX/XX/year> Summary of Complaint I am filing this complaint against Ally Bank and XXXX XXXX for XXXX series of actions that appear to violate consumer protection laws, including improper transfer of my auto loan and severe, threatening harassment by a private XXXX acting as a debt collector on behalf of the dealership. 
Detailed XXXX and Events XXXX. XX/XX/year> : I purchased a vehicle from XXXX XXXX and signed financing paperwork. The auto loan was financed by Ally Bank. 
XXXX. XXXX XX/XX/year> : Due to a period of XXXX, I fell behind on payments, missing XXXX ( XXXX ) monthly payments. I had previously informed Ally Bank of my situation. 
XXXX. XX/XX/year> ( Date approximate ) : I received a letter stating that Ally Bank had released the loan to XXXX XXXX and that I would receive new payment information. This suggests XXXX XXXX repurchased the loan. 
XXXX. XX/XX/year> : I received an email and text message from Ally Bank confirming my car loan was paid off and I would receive the title within 10 days. 
XXXX. XX/XX/year> ( XXXX ) : When I called Ally Bank to inquire who had paid off the loan, they stated they did not have that information. 
XXXX. XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : My family contacted me stating they were being called and threatened by a private XXXX named XXXX. 
I called the XXXX, XXXX, who confirmed she was hired by XXXX XXXX. 
XXXX stated that XXXX XXXX demanded the return of the vehicle and that I would face criminal charges if I did not comply. 
I asked XXXX for time until XXXX XXXX XXXX XXXX  was at work, but she repeatedly called, harassed, and threatened me between XXXXXXXX XXXX XXXX XXXX XXXX 
The XXXX confirmed she has followed me, been to my private residence, and taken pictures of me/my residence, causing me to fear for my personal safety. 
XXXX XXXX has allegedly claimed I missed payments for XXXX ( XXXX ) months, which is untrue as I only missed XXXX ( XXXX ) payments, and the loan was marked as " paid off '' by Ally Bank in XX/XX/year>. 
Alleged Violations and Concerns Deceptive Loan Transfer/Reversal : The loan was marked " Paid Off '' by Ally Bank XXXX XX/XX/year>. If the dealership repurchased the loan, the subsequent debt collection must be lawful. 
Illegal Debt Collection Practices : The actions of the private XXXX hired by XXXX XXXX constitute severe harassment, threats of criminal charges for a civil matter ( debt ), and intimidation, which are clear violations of the Fair Debt Collection Practices Act ( FDCPA ) and state laws. 
Abusive Tactics/Safety Concerns : The XXXX 's confirmation of following me, being at my home, and taking pictures creates a hostile and dangerous environment, causing significant fear and distress. They are also illegally disclosing information and harassing friends and family.

Company response to consumer: Closed with explanation