Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ATTENTION THIS COMPLAINT IS FOR THE LEGAL DEPARTMENT OF ALLY FINANCIAL INC. ONLY. If the recipient is not Ally Financials Legal Department or a party with authority to address the securitization, ownership, and XXXX release issues herein, immediately forward this complaint to the appropriate party who possesses such authority. Ally Financial Inc. is the assignee on the contract. The contract identifies Ally Financial and NOT Ally Bank, as the assignee. Despite this, Ally Bank ( a separate legal entity, a Utah state-chartered bank, distinct from Ally Financial , a Delaware holding company ) Hired XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, who filed a civil/consumer debt lawsuit against me in the XXXX District Court of XXXX XXXX XXXX Texas XXXX Case No XXXX XXXX, seeking approximately {$26000.00} and a writ of possession for my vehicle a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. No assignment or transfer from Ally Financial to Ally Bank has been produced. Ally Financial allowed this unauthorized suit. The attorney intentionally used an address where I haven't lived for 8 plus years for service. My CORRECT address is on the face of the contract submitted to the court. The attorney had documented knowledge and deliberately used a false address to prevent notice and obtain a default judgment, which is fraud upon the court. See XXXX v. Heights Medical Center, 485 U.S. 80 ( XXXX ). TIMELINE : Attorney XXXX XXXX XXXX took no action for 90 plus days. Court issued DWOP notice XX/XX/XXXX. Process server sent to wrong address XX/XX/XXXX. Service failed. Case DISMISSED XX/XX/XXXX and REMAINS CLOSED. Motion to reinstate filed XX/XX/XXXX NOW listing correct address ( proving prior knowledge ). Constable returned defective service XX/XX/XXXX and ceased attempts. SECURITIZATION : Ally Financials OWN SEC filings ( Form 10-K and prospectus supplements ) disclose routine securitization of auto loan receivables into trusts. Because this obligation was securitized, Ally Financial no longer owns it. Neither Ally Financial nor Ally Bank has enforcement authority, that belongs to the trust/trustee under the Pooling and Servicing Agreement. Under 15 U.S.C. 1641 ( f ) ( 1 ), a servicer shall not be treated as an assignee unless the servicer is or was the owner. Under 1641 ( f ) ( 2 ), a servicer shall not be treated as the owner based on an assignment solely for administrative convenience. Upon written request, the servicer SHALL provide the name, address, and phone number of the owner or master servicer. I FORMALLY DEMAND under 1641 ( f ) ( 2 ) that Ally Financial immediately identify the actual current owner of this obligation. Because of this obligation being securitized, provide the trust name, trustee contact info, and the applicable PSA. Ally Financial has a non-delegable duty to ensure affiliates and agents comply with Consumer Protection Laws. See XXXX v. Citicorp Credit Services, 15 F.3d 1507 ( 9th Cir. XXXX ) ( creditor vicariously liable for acts of debt collectors acting on its behalf ). Ally Financial can not escape liability by routing collection through a subsidiary without standing. VIOLATIONS : 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692e ( 10 ), 1692f, 1641 ( f ) ; TX Fin. Code 392.301 ( a ) ( 8 ), 392.303 ( a ) ( 2 ), 392.304 ( a ) ( 19 ). RELIEF : ( 1 ) CFPB investigation ; ( 2 ) identify actual owner per 1641 ( f ) ( 2 ) ; ( 3 ) immediate lien release ; ( 4 ) permanent cessation of collection ; ( 5 ) enforcement action. Demand letter with evidence sent via certified mail, 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