Consumer complaint received 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Subject : Complaint Regarding Repossession, Missing Personal Belongings, and Vehicle Return Request XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern, I am submitting this complaint regarding the repossession of my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and the mishandling of my personal belongings. Additionally, I am requesting the return of my vehicle based on violations of lemon laws, the Truth in Lending Act ( XXXX ), and improper repossession procedures. 

Details of the Incident : Vehicle Information : XXXX XXXX XXXX XXXX XXXX Repossession Date : XX/XX/XXXX ( XXXX occurred at night ) Timeline of Events : XXXX. On XX/XX/XXXX, I contacted Ally Financial customer service to arrange the retrieval of my personal belongings. I was initially informed that my items were available for pickup. 
XXXX. I scheduled a retrieval date and was told that I would receive the repossession facilitys address on the day of the appointment. However, upon contacting the facility again, I was told my items were no longer available. 
XXXX. A customer service representative at Ally Financial suggested I speak to a person named XXXX at the repossession facility. However, when I called back, I was told no such person worked there. 
XXXX. The repossession occurred at night, under unclear circumstances, which raises concerns about compliance with legal and ethical standards. 

Missing Items : The repossession companys mishandling of this situation has led to the loss of several valuable and sentimental belongings, including : My daughters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shoes and clothes belonging to my significant other My phone and XXXX XXXX containing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional personal items I am struggling to recall due to the emotional stress caused by this situation Key Issues : XXXX. XXXX XXXX Practices : The vehicle was repossessed at night, which raises concerns about compliance with state and federal laws governing fair repossession practices. 
XXXX. Violation of XXXX Laws : The vehicle had significant issues that XXXX qualify it as a lemon under applicable laws. I had previously raised concerns about these issues with Ally Financial. 
XXXX. XXXX Violations : There XXXX have been discrepancies in the loan disclosures or repayment terms that were not adequately explained at the time of the agreement. 
XXXX. Failure to XXXX XXXX : The repossession companys lack of communication and transparency prevented me from retrieving my personal belongings. 
XXXX. Potential Theft : Conflicting statements from Ally Financial and the repossession company strongly suggest that my belongings were stolen. 
XXXX. Consumer Rights Violation : My right to access and retrieve personal belongings following repossession has been violated. 

Requested Resolution : XXXX. XXXX XXXX of My Vehicle : Based on lemon law protections, potential TILA violations, and improper repossession practices, I request that my vehicle be returned to me promptly. 
XXXX. Return of Personal Belongings or Compensation : I request the immediate return of all my personal belongings, or financial compensation for their total value. 
XXXX. Investigation of Ally Financial and the XXXX XXXX : I request an investigation into the handling of my case to ensure accountability and compliance with consumer protection laws. 

This situation has caused me significant financial and emotional distress. I am relying on the CFPB to investigate this matter thoroughly and provide a fair resolution. 

Thank you for your attention to this matter. I trust the CFPB will act to ensure justice is served.

Company response to consumer: Closed with explanation