Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse. 

The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid. 

I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility. 

I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve. 

I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal. 

Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed! 

Thank you in advance for your time and diligence in this matter.

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