Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
COMPLAINT AGAINST ALLY FINANCIAL Date of Incident : XX/XX/year> Present Loan Originator : Ally Financial, acting on behalf of Ally Bank SUMMARY OF COMPLAINT This complaint arises from a pattern of deceptive, abusive, and unlawful conduct by Ally Financial and its agents, culminating in the wrongful repossession of a trust-assigned vehicle after charge-off, despite multiple notices, affidavits, and fiduciary instruments submitted by the complainant. 
The conduct mirrors the same systemic abuses that led to the {$80.00} XXXX CFPB enforcement action against Ally Financial for discriminatory and deceptive auto lending practices. 
KEY VIOLATIONS 1. Deceptive Loan Origination Loan originated on XX/XX/year>, under misrepresented terms, lacking full disclosure of interest rates, fees, and consumer rights. 
Violates the Truth in Lending Act ( TILA ), 15 U.S.C. 1601.

2. Post-Charge-Off Repossession Ally Financial charged off the account, relinquishing direct claim. 
Repossession occurred after charge-off, without new contractual authority or lawful standing.

Violates UCC 9-609 and XXXX XXXX XXXX  
3. Ignored Fiduciary Documentation Ally failed to acknowledge or respond to : o Motor Vehicle Power of Attorney o Bill of Sale o Certificate of Trust o Trust Assignment o Affidavit of Facts o Notice of Deceptive Loan Origination o Wrongful Repossession Notice XXXX. XXXX XXXX XXXX XXXX XXXX Over one week of calls resulted in : o Disrespectful treatment by multiple agents. 
o Contradictory policies stated by different representatives. 
o Refusal to escalate or resolve the matter in good faith.

Violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

LEGAL AUTHORITY This complaint is supported by the following statutes and codes : Jurisdiction Statute / Code Description Federal TILA ( 15 U.S.C. 1601 ) Requires full
disclosure of loan terms Federal FDCPA ( 15 U.S.C. 1692 ) Prohibits abusive collection practices Federal UCC 9-609 Repossession must occur without breach of peace XXXX XXXX XXXX XXXXXXXX Repossession must be peaceful and lawful XXXX XXXX XXXX XXXX Requires proper notice before sale or retention DEMAND FOR REMEDY The complainant demands the following : 1. Immediate return of the vehicle to its lawful holder. 
2. Waiver of all fees related to towing, storage, or redemption.

3. Written acknowledgment of breach and corrective action taken.

4. Cease and desist all further interference with trust-assigned property.

5. Public accountability and internal investigation into systemic misconduct. 
NOTICE OF ESCALATION This matter has been escalated to : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attorney Generals Consumer Protection Division Local and national media outlets Department of Justice Several Attorneys and Law Firms for review Ally Financial has demonstrated a consistent pattern of dismissiveness, disrespect, and procedural abuse throughout this engagement. Despite repeated attempts to resolve the matter in good faith, their representatives have : Ignored submitted fiduciary and legal documentation. 
Refused to acknowledge statutory breaches. 
Treated the complainant with rudeness, condescension, and verbal hostilitydocumented in recorded phone calls. 
Provided contradictory policies across multiple agents, further obstructing remedy. 
This behavior is not isolated. Ally Financial is plagued with consumer complaints nationwide, reflecting a systemic culture of disregard for lawful processes, ethical standards, and fiduciary duty. 
This transmission serves as public notice that Ally Financials business practices will no longer be tolerated by consumers. 
CONCLUSION The conduct of Ally Financial in this matter is indicative of systemic corporate abuse, statutorily inconsistent, and ceremonially void. It reflects a continuation of the same patterns that led to prior enforcement actions and violates the rights of consumers. 
The complainant reserves all rights under public and private law, to pursue remedy and restitution.

Company response to consumer: Closed with explanation