Consumer complaint received 2024-10-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX 5 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial XXXX. 


Account info Account name XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, 033 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4000.00} 15 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy Account name XXXX  XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$750.00} Balance updated XX/XX/XXXX 15 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial XXXX Account name XXXX  XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$460.00} Highest balance - Terms 1 Months On record until XXXX XXXX5 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial XXXX

Company response to consumer: Closed with explanation