Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I updated the complaint with XXXX XXXX information and incorporated the additional notice language regarding the foreclosure and opportunity to retrieve the property before the sheriff sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Ally Financial Inc . Customer Relations / Legal Department Subject : Formal Complaint Regarding Abandoned Vehicle, Failure to Retrieve Collateral, and Improper Handling of Personal Property Following Foreclosure Sale Dear Ally Financial, I am submitting this formal complaint regarding Ally Financials repeated failure to address, retrieve, or properly resolve issues involving a vehicle abandoned at a foreclosed property after lawful transfer of possession following a sheriff sale. The vehicle in question is : XXXX XXXX XXXX XXXX XXXX : XXXX Prior to the foreclosure and sheriff sale, notices were issued advising that all personal property, vehicles, and belongings remaining on the premises needed to be removed within the allotted timeframe before the property transfer and sheriff sale were finalized. Ally Financial, as the lienholder and interested finance company connected to the vehicle, was placed on notice and had sufficient opportunity to recover, inspect, or make arrangements regarding the collateral before the sheriff sale occurred and before lawful possession of the property transferred. Despite receiving notice and having ample opportunity to act, the vehicle was left abandoned on the property. Following completion of the sheriff sale and transfer of possession to the lawful winning bidder, the home was completely cleaned out and secured by contractors. Documentation exists proving the sheriff sale, winning bid, lawful possession, and clean-out of the property. Since XX/XX/XXXX, I have made continuous efforts to resolve this matter directly with Ally Financial. These attempts continued throughout XXXX, XXXX, and now XXXX. During this time, I have repeatedly contacted your company by telephone seeking resolution concerning the abandoned collateral. Each time, I was rerouted to incorrect departments, transferred endlessly, disconnected, or provided inaccurate phone numbers and information. Despite years of notice and communication attempts, Ally Financial has failed to provide any meaningful assistance, retrieval coordination, written response, or lawful resolution. Your companys prolonged inaction has caused unnecessary burden, interference, and damages related to the storage and handling of abandoned collateral left on private property. Relevant legal principles applicable to this matter include : XXXX. Pennsylvania Abandoned Personal Property Principles Personal property left behind following foreclosure and transfer of lawful possession may be considered abandoned when the owner and/or lienholder fails to retrieve or claim the property after receiving notice and reasonable opportunity. XXXX. Duty of Secured Creditor to Act Reasonably A lienholder maintaining an interest in secured collateral has a duty to act reasonably after receiving notice concerning the location and condition of the collateral. XXXX. Uniform Commercial Code Article 9 ( Secured Transactions ) Under UCC principles governing secured collateral, a secured party must exercise commercially reasonable conduct concerning repossession, recovery, and disposition of collateral once notified. XXXX. Failure to Mitigate Damages Ally Financial failed to mitigate damages by ignoring repeated notices and refusing to recover collateral over an extended multi-year period. 5. Unjust Enrichment Ally Financial has effectively shifted the burden and expense of storing and maintaining its collateral onto a private individual without compensation or lawful resolution. XXXX. Interference With Property Rights Continued failure to retrieve abandoned collateral interferes with the lawful use and enjoyment of the property by the lawful possessor following foreclosure proceedings. XXXX. Negligence in Collateral Management Ally Financial failed to properly manage or recover collateral after receiving repeated notifications over several years. Despite repeated notices dating back to XX/XX/XXXX, Ally Financial has failed to : * Retrieve the vehicle * Coordinate repossession * Provide written direction or release * Compensate for storage-related burdens and damages * Resolve ownership or lien disposition * Act in good faith despite years of communication attempts This conduct is unacceptable and demonstrates a complete disregard for proper collateral handling responsibilities. Accordingly, I demand the following : 1. Immediate written response regarding Ally Financials intentions concerning the vehicle 2. Immediate arrangements for retrieval of the vehicle or written release of interest in the collateral XXXX. Compensation for storage costs, damages, and burdens incurred since notice was first provided in XX/XX/XXXX XXXX. Written confirmation within fifteen ( 15 ) business days outlining Ally Financials resolution plan If Ally Financial continues to ignore this matter, I reserve the right to pursue additional remedies, including formal complaints through the Consumer Financial Protection Bureau, Pennsylvania Office of Attorney General, XXXX XXXX XXXX and civil remedies for storage costs, damages, interference with property rights, negligence, and any other relief available under Pennsylvania law. I have retained documentation supporting the sheriff sale, winning bid, clean-out process, notices provided, and years of attempted communication with Ally Financial. I expect immediate attention and resolution regarding this matter. Sincerely, XXXX XXXX

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