Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
XXXX Bias Geographical XXXX Profiling XXXX Social Profiling This whole contract has been Very Detrimental to my XXXX XXXX XXXX XXXX to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representation : 1. Was XXXX XXXX XXXX given a copy of the TILA? 

2. Was it explained to XXXX XXXX that the FINANCE CHARGE would COVER Down Payment and Insurance? 

3. The whole contract is setup for Detrimental Failure!!!!!!!!! 369 4. Seems like conspiracy against rights to me!! ! 369 VIOLATIONS : 1 ) {$20000.00} DOLLARS DOWN PAYMENT 2 ) Other Optional Insurance Paid to Insurance Company or Companies : {$1500.00} DOLLARS 3 ) Government Waste Tire Fees {$11.00} 4 ) XXXX XXXX XXXXXXXX XXXX : {$1100.00} DOLLARS 5 ) XXXX XXXX DOCUMENT FEE : {$200.00} DOLLARS 6 ) CON & PLATE CANCEL FEE : {$18.00} DOLLARS 7 ) NOTARY FEE : {$15.00} 8 ) XXXX XXXX XXXX. SERVICE CONTRACT : {$4900.00} 9 ) UVP SAFEGUARD PROTECTION : {$2800.00} 10 ) THEFT PROTECTION : {$190.00} TOTALING : {$11000.00} + {$20000.00} EQUALLING : {$31000.00} EXTRA IN CONTRACT!!!!!!!!! 369 WOW!!!!!!!! ! 369 EXTRA TO CONTRACT WITH AN XXXX WOMAN. WOW!!!!!!!!! 

1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

XXXX Louisiana Laws Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation 32:796. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : LA Rev Stat 32:796 ( XXXX ) Learn moreThis media-neutral citation is based on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is not necessarily the official citation. 

PreviousNext RS 32:796 - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. 
B. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance. 
C. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment. 
( 2 ) Whether the money given is either a deposit or down payment. 
( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment. 
( 4 ) A time limit in which to complete the transaction not to exceed twenty days. 
( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers. 
( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition. 
( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition. 
D. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer. 
( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment. 
( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction. 
( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means. 
( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section. 
E. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. 
Acts 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 

18 USC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. 
Unlike most conspiracy statutes, XXXX doesnotrequire, as an element, the commission of an overt act. 

The offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXX XXXX, or resulted in death ) in which case it may be punished by up to life imprisonment and, if death results, may be eligible for the death penalty. 

28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States. 
( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt. 

( 10 ) Personincludesa naturalperson ( includingan individual XXXX ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an XXXX tribe. 

( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt. 

( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ). 

( 14 ) State means any of the severalStates, the District of Columbia, the Commonwealth of PuertoRico, the Commonwealth of the Northern Marianas, or any territory or possession of theUnited States. 

( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States. 

Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States XXXX in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged. 

Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 

UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 
I AM THE EXECUTOR OF THE ESTATE OF [ XXXX XXXX XXXX ] Clan of [ The XXXX 's ] WE THE PEOPLE!!!!!!!! 369

Company response to consumer: Closed with explanation