Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Ally Financial , Inc. Unauthorized Repossession and Failure to Acknowledge Legal Instruments Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am filing this formal complaint against Ally Financial , Inc., in regard to what I believe is an unlawful repossession of my vehicle, a failure to acknowledge properly issued legal notices and instruments, and ongoing financial harm resulting from their actions. 

Background : Vehicle Purchased : XX/XX/XXXX Creditor : XXXX XXXX XXXX. 
Ally Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Repossession Date : XX/XX/XXXX Registered Mail Ref # to Ally : XXXXXXXX XXXX XXXX XXXX ( sent XX/XX/XXXX to XXXX XXXX at Ally Financial ) Summary of Issues : Legal Instruments Sent and Ignored : I lawfully sent a Security Instrument and related documentation by Registered Mail to Ally Financial on XX/XX/XXXX. These notices clearly outlined the following : Revocation of Allys security interest in the property ( Section 2, Part C ) Revocation of rights to insurance and contract claims ( Section 2, Parts D and E ) Prohibition of any repossession action ( Section 3, Part D ) Demand for release of lien on the title No Response or Rebuttal : Despite my attempts to remain in honor and offer unconditional acceptance and lawful instruction, Ally Financial has failed to respond or acknowledge the documents sent, violating the principle of UCC 3-306, which provides for discharge of obligation upon lawful tender.

Unlawful Repossession : My vehicle was subsequently repossessed without notice, without lawful rebuttal to my security instrument, and with total disregard for my equitable position.

This action has caused me : Significant financial hardship Injury to travel and livelihood Emotional distress and an affront to my ecclesiastical and equitable rights FCRA & UCC Violations : Ally is reporting this repossession to TransUnion as an adverse event, which negatively impacts my credit file despite the ongoing unresolved dispute. They have acted in bad faith by not honoring the process of negotiation or commercial remedy.

Relief Requested : I respectfully request that the CFPB : Investigate Ally Financials repossession practices and refusal to respond to registered, lawful notices.

Require Ally Financial to : Return my vehicle and release the title Remove the derogatory marks from my credit reports Compensate me for all financial injuries as defined in my fee schedule, which Ally has been given notice of Enforce their duty to respond to lawful correspondence from consumers under applicable commercial and consumer protection law.

Supporting Documentation : I have included : Certified mail receipts and tracking confirmations Copies of all notices sent My original Security Instrument and Unconditional Acceptance Screenshots from my TransUnion credit report Any Ally Financial correspondence ( or lack thereof ) I am prepared to provide additional exhibits or affidavits upon request.

All praise is due to the Most High God, who sees all truth and judges all wrong. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation