Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ATTENTION THIS COMPLAINT IS FOR THE XXXX DEPARTMENT OF ALLY BANK ONLY. If the recipient is not Ally Bank XXXX XXXX Department or a party with authority to execute a lien release on the vehicle identified herein, immediately forward this complaint to the appropriate party who possesses such authority. On XX/XX/XXXX, Ally Bank through XXXX XXXX XXXX XXXX of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX filed a lawsuit against me who filed a civil/consumer debt lawsuit against me in the XXXX District XXXX XXXX XXXX XXXX XXXX Texas, XXXX No. XXXX, seeking approximately {$26000.00} and a writ of possession for my vehicle a XXXX XXXX XXXX XXXX XXXX. However, Ally Bank is not a party to the underlying contract. The retail installment sales contract that forms the basis of this alleged obligation identifies Ally Financial XXXX as the assignee, not Ally Bank. Ally Bank and Ally Financial Inc. are legally separate and distinct entities. Ally Bank is a Utah state-chartered bank. Ally Financial Inc. is a Delaware holding company. They maintain separate legal identities, separate regulatory oversight, and separate corporate structures. Ally Bank has produced no assignment or transfer documentation. Under XXXX v. XXXX XXXX, XXXX XXXX XXXX ( Tex. XXXX ), Ally Bank lacks standing. XXXX intentionally used an address where I have not lived for XXXX plus years for service of process. The contract submitted to the court contains my CORRECT address on its face. XXXX had documented knowledge of my correct address and deliberately used a false one to prevent notice and obtain a default judgment, constituting fraud upon the court. See XXXX v. XXXX XXXX XXXX, XXXX U.S. XXXX ( XXXX ). XXXX took no action for XXXX plus days. The court issued a XXXX notice in XX/XX/XXXX. On XX/XX/XXXX counsel sent a process server to the SAME wrong address. Service failed. On XX/XX/XXXX the court DISMISSED the case for want prosecution. THE CASE REMAINS CLOSED. On XX/XX/XXXX counsel filed a motion to reinstate NOW listing my correct address, proving they knew it all along. On XX/XX/XXXX the constable returned service as defective and ceased attempts. Under XXXX U.S.C. XXXX ( f ) ( XXXX ), a servicer shall not be treated as an assignee unless the servicer is or was the owner. Under XXXX ( f ) ( XXXX ), a servicer shall not be treated as the owner based on an assignment solely for administrative convenience. If Ally Bank is merely servicing this loan, it has NO authority to sue. I FORMALLY DEMAND under XXXX ( f ) ( XXXX ) that Ally Bank identify the actual owner of this obligation, name, address, and phone number, or the master servicer. If securitized, identify the trust and trustee. Ally XXXX SEC filings ( XXXX and prospectus ) confirm routine securitization of auto loans into trusts. Because this obligation was securitized, neither Ally Bank nor Ally Financial owns it. VIOLATIONS : XXXX U.S.C. XXXX ( false/deceptive representations ) ; XXXX ( XXXX ) ( A ) ( false representation of legal status ) ; XXXX ( XXXX ) ( threat to take action that can not legally be taken ) ; XXXX ( XXXX ) ( deceptive means ) ; XXXX ( unfair/unconscionable means ) ; XXXX ( f ) ( servicer misrepresentation ) ; TX XXXX. Code XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ). RELIEF REQUESTED : ( XXXX ) CFPB investigation ; ( XXXX ) Ally Bank identify the actual owner per XXXX ( f ) ( XXXX ) ; ( XXXX ) immediate lien release ; ( XXXX ) permanent cessation of all collection activity ; ( XXXX ) enforcement action. Demand letter with evidence was sent via certified mail and received XX/XX/XXXX. Supporting docs attached.

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