Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter addresses your response regarding our request for loss-of-use compensation. Your continued insistence on receiving receipts as a prerequisite for payment is legally unsupported under well-established California law .

-- - I. California Law Does Not Require Receipts California courts clearly allow recovery for the loss of use of a vehicle even when no rental car is obtained. The law permits claimants to rely on the reasonable rental value of similar property : > The measure of damages for the loss of use of personal property may be determined with reference to the rental value of similar property. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Furthermore, XXXX XXXX XXXX Instruction No. XXXX explicitly states : > To recover damages for loss of use, the plaintiff does not have to prove that he or she rented a replacement vehicle. 



The burden is to show the value of the lost use which can be done with rental market data and does not require receipts if a substitute vehicle was not rented. I have satisfied this burden. 


-- - XXXX. Reasonable Rental Rate and Insurance Losses From XX/XX/XXXX through XX/XX/XXXX, we were without use of our vehicle for 60 days due to Allys incompetence and failure to resolve title documentation. During this time : The average daily rental cost for a midsize SUV in the XXXX XXXX XXXX XXXX was {$56.00}, based on published rates from national agencies ( XXXX, XXXX, XXXX, XXXX ). 

We continued to pay $ XXXX for auto insurance on a vehicle we could not legally drive or use, totaling {$300.00} over the 2-month period. 


Calculation of Damages : Type Amount Loss of Use ( 60 days {$56.00} ) {$3300.00} Insurance Payments {$300.00} Total {$3600.00} -- - III. Clarifications and Additional Harm To clarify : We are not requesting reimbursement for fuel or gas expenses at this time.

We were forced to sell the vehicle at a loss due to Allys delays, which negatively impacted the vehicles marketability and resale value. 

I spent numerous hours during work resolving issues caused solely by Allys mishandling, including phone calls, document requests, and follow-ups affecting my job performance and productivity. 



-- - IV. Reservation of Rights If Ally continues to reject or delay this legally supported claim, we will pursue additional damages and remedies, including : Compensation for the vehicles diminished resale value ; Wasted work time and administrative burden ; Statutory penalties, interest, and emotional distress damages as appropriate. 



-- - V. Demand for Resolution We hereby demand prompt payment of {$3600.00} to resolve this loss-of-use claim, consisting of : {$3300.00} for 60 days of loss of use at $ XXXX, and {$300.00} in documented insurance payments made during the affected period. 


These amounts are based on established legal standards and reasonable valuation no rental receipts are required under California law. The burden is on me to provide comparable vehicle rental rates, which I have done. 

If this matter is not resolved, we will escalate it through additional regulatory, legal, and judicial channels. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation