Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
1. Dispute & Validation Letters Ignored : Sent certified dispute and validation request letters to Ally Financial on XX/XX/year>, and XX/XX/year> both were signed for and received. 

Ally failed to respond within the required 30-day timeframe under : FCRA 1681i ( a ) ( 1 ) and 1681s-2 ( a ) ( 3 ) FDCPA 1692g ( b ) 12 CFR 1006.34 ( CFPB Reg F ) Ally continued collections and initiated repossession without validating debt or responding.

2. Unlawful Collection & Repossession During Active Dispute : Repossession occurred XX/XX/year>, while dispute was still pending.

Violates FDCPA 1692g ( b ) collections/repo must pause until validation is provided.

Violates UCC 9-611 / NRS 104.9611 no redemption or disposition notice was received. 

Representative XXXX from Ally admitted on XX/XX/year> that he had no knowledge of my letters, confirming XXXX failure to log or acknowledge legal disputes.

3. Unlawful Use of XXXX XXXX XXXX XXXX XXXX XXXX : Ally hired XXXX Investigations , a private investigator, not a licensed tow company, to coordinate repossession. 

XXXX delegated the tow to a XXXX XXXX company ( XXXX XXXX initially and further to other towing agency as XXXX states they only work with law enforcement but admitted to providing a key to a tow driver for XXXX ) illegal chain of enforcement authority. 

Nevada law does not permit unlicensed repo agents or chains of contractors for vehicle seizure : XXXX XXXX, XXXX ( Tow licenses ) UCC Article 9 only secured parties or authorized agents may repossess. 

4. Refusal to Provide Documents or Chain of Custody : Ally failed/refused to provide : Original Retail Installment Contract with your wet ink signature.

Payment history & accounting.

Redemption letter ( despite promising it would arrive in 23 days ).

Chain of title/assignment, servicing records, or repo documentation.

Sworn affidavit affirming accuracy of information.

Violation of : FCRA 1681s-2 ( b ) ( 1 ) UCC 9-210 & 9-613 FDCPA 1692g ( a ) ( 45 ) 5. Abusive, Excessive Collection Calls : Multiple calls per day to multiple numbers in violation of CFPB Reg F call limits.

12 CFR 1006.14 ( b ) ( 7-in-7 rule ).

Some voicemails left, others silent or blank.

New/different phone numbers used, and excessive outreach without disclosing debt validation or redemption rights.

5. Obscure & Unlawful Payment Demands : Ally demanded payment for redemption to be made via : XXXX XXXX XXXX XXXX  wire to XXXX XXXX These obscure, high-risk payment options are non-standard, raise fraud and laundering concerns, and are not disclosed in the original contract. 

Refused cashiers check or mailed payments, saying they would be held 710 days coercion and manipulation of payment method. 

6. Surveillance & Harassment : Ally & XXXX coordinated surveillance at your residence and grandmothers home by unmarked individuals in vehicles, tow vehicles with " dummie '' cars while another waits on standby. 

Evidence of stalking, harassment, and pre-repo surveillance with no notice or authority. 

Violates FDCPA 1692d and 1692e ( 5 ) harassment, abuse, threats, and deceptive practices. 

7. XXXX Listing Falsification : On XXXX, Ally is listed as the repossessor with fake phone number : ( XXXX ) XXXX, making it impossible to contact the real party. 

Supports intent to conceal chain of custody and evade consumer rights to redress. 

8. Request for Records Ignored : I was formally requested, and denied : Loan documents Redemption paperwork Tow documents and receipts Storage records Surveillance footage from XXXX XXXX and XXXX XXXX ( dated XX/XX/year> between XXXX and anything else after repo for observation of abnormal and abusive repossession activity ) 9. Insufficient CFPB Follow-Up : Ally 's response to CFPB was generic and insufficient, stating a 60-day investigation timeline.

CFPB must enforce without delay as violations have already occurred, including : Failure to respond within 30-day legal window Repo conducted during active dispute Abuse of collection process, surveillance, and payment coercion

Company response to consumer: Closed with explanation