Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Please help me dispute to the lender and deman to return the vehice cause emotionally damaged and financial issue for transportation while in having dispute against thr lender and dealer and they repossession the car please as I ask cfpb to help me deman my car to be return that voialte the contract my car got GAP protect the loan and cash value of the car so when they repo and say they will auction and I will carry the balance voilate q6 usc 1692 using false and misleading information if the gap cover thebloan and the cash value of the car they sold thay should offset but they voilage 15 usc 1692 to intentionally mislead u into collect the debt and redeem the car in any way I needed or else I would redeem the car and I first purchase the car inform from finace from a lender but as all aware now thay use unfair practice thay we brought the car from dealer and sold the contract to lender as a retail installment thag I have no idea when we all though we go ther to buy a car and finace and I got cheat way over thr market price and marylsnd law where I buy the car as has a law against the car dealer voilate thr marylanf automotive dealer law that if dealer has no intention to mark sale price as advertised then they shouldn't post and if they do they must honor the sale price which in the mean time I'm already having dispute both the dealer and lender and since the lender is acting not the fiance bank they are just providing servicer ha doing the loan to collect a debt which known as 3rd party and I demand them to release and car back to me cease and desist 15 usc 1692 becuze this whole concept voildate consumer protection act TILA the truth in lending thay use abusive practice on consumer taking advantage and voilate the FTC and CARS scam and fraud into co sumer pay higher price and loan higher and pay extra interest voilate FDCPA and the CRA and the CFRA this is a direct voilate 15 usc 1691C 1y usc 13 and 15 usc 1692G 26 usc 1602 creditor must be clear and explain full disclosure of term and our orginal contract at the dealer was signed at XX/XX/XXXX and I contact the dealer asking why the le drr holding a contract different and is XXXX he stated is pretty much u sign but not already sign but u tabbing the device for ur signature logo and they just repeat tabling without the consumer hassle to sign but the lender copy was created XX/XX/XXXX we wasn't even there to tab the device to XXXX and so dealer recreate a whole new similar contact for a copy to the lender thag voilated a forgery to us as dealer using XXXX and create a whole new contract to give lender instead not jsut make a copy of the printer of the orginal to forward to the bank and orginal contract has arbitration provision the lender copy doesn't and their lender copy is all XXXX on a day we not present so as stated please cfpb deman the lender to release the vehice from. Repo so I can continue to go work without transportation issue during thr meantime to resolve all the issue eith the dealer and lender for the correct sale vehice and the correct to finace without all those extra junk fee on top whe. A dealer customer retention manager email stated finace charge included all fee cover pretty much everything so if a lender is not holding orginal contract but a new contract that create by dealer himself without us being present and our orginal loan didn't sign gap insurace but the dealer new ( fake ) one does I inform cfpb to enforce them this is a breach of contract and dishonest and debt collect without a vaild contract to immediately release the car back and cease and desist all collection and further and the lender copy dated XXXX without our present to consent and confirm XXXX they voilate identify theif becuase XXXX need out XXXX first in the device of a sample of our signature logo and that XXXX  logo is not our signature logo brand to even being with becuas the XXXX was use as middle the. Last name and no matter who we signature or XXXX to the device for the dealer we will never put midde then last voilate forgery signature becuae no matter how we sign will never be in thay order of rotation using middle then last for sure

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