Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally request a temporary hold on the upcoming vehicle auction scheduled for XX/XX/year>, and to reinstate my right to redeem my vehicle. This request is made in light of serious issues regarding the lack of proper notice and communication about the status of my vehicle. 

According to your team, a redemption letter was mailed on XX/XX/year>. However, I did not receive this letter due to an outdated address being on file, which I was unaware had not been updated in your system. As a result, I was completely unaware of the auction date and the redemption deadline until today, XX/XX/XXXX. I have been attempting to reach someone since XX/XX/XXXX, following my submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ) to escalate the matter. The representative assigned to my complaint has unfortunately been out of the office, which further delayed my access to accurate information. 

Despite these obstacles, I have acted in good faith and with diligence in trying to resolve this matter. I finally reached a representative today who explained the auction timeline and redemption process. However, because of the improper notice, I am now in a position where I may unjustly lose my vehicle without having had a fair opportunity to cure the default. 

I am requesting the following : 1. Immediate postponement of the auction for at least 10 business days to allow me to redeem the vehicle.

2. Issuance of a revised Vehicle Redemption Release ( VRR ) reflecting the updated contact and mailing information.

3. Clarification of the exact redemption amount and payment instructions via XXXX XXXX or other available method. 
4. Reinstatement of redemption rights due to Allys

failure to provide proper notice, which is required under applicable consumer protection laws. Legal Basis : Under UCC 9-611, a secured party must provide reasonable authenticated notification of disposition to the debtor before a vehicle is sold. That notice must be sent to the debtors last known address and allow a reasonable time to redeem the vehicle.

Furthermore, UCC 9-614 mandates that the content of the notice must specify the method of sale, date, and deadline to redeem, along with an itemized breakdown of the total amount due. I was not provided with any such information, and the delay in reaching the appropriate contact further impaired my ability to respond in time. 

Given that Ally failed to provide adequate notice, and that I took appropriate action once I became aware of the situation, I believe I am entitled to an extension of my redemption rights and the ability to retrieve my vehicle without being penalized for procedural failures beyond my control. 

Please confirm receipt of this message and advise on next steps. I am prepared to remit the full redemption amount once a revised VRR and payment instructions are provided. 

Thank you for your time and understanding.

Company response to consumer: Closed with explanation