Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was sold a vehicle through XXXX XXXX of XXXX, Georgia under duress I had explicitly disclosed to dealership staff that I was not of sound mind due to recent bereavement, active identity theft victimization, and physical trauma. I experienced a XXXX XXXX during the XXXX signing process and was pushed through regardless. Ally Bank denied my financing application four times by written letter before approving a contract I later discovered had been altered without my knowledge. The contract submitted to Ally Bank Contract B was never presented to me, contains 11 forged signatures confirmed by a Georgia-licensed forensic document examiner, and metadata proves it was modified using iText software 18 minutes after my original contract was completed. Ally Bank backdated finance charges to XX/XX/XXXX despite the contract not being uploaded until XX/XX/XXXX a XXXX gap during which interest accrued without disclosure, violating the Truth in Lending Act. No simple interest rate was disclosed anywhere on the contract, only an APR of 16.14 %. Analysis of Ally 's own payment allocations shows Payment 1 was charged at an effective APR of approximately 22.25 % nearly XXXX percentage points above the contracted rate, with an average of 18.53 %. After making three payments totaling {$2500.00}, I was unable to continue and surrendered the vehicle. I notified Ally Bank by phone that the truck was at the dealership. The dealership held the vehicle for over 30 days without notifying Ally. Ally eventually repossessed and sold the vehicle in XX/XX/XXXX through an auto auction owned by the same XXXX XXXX XXXX that originated the fraudulent sale a direct conflict of interest. Ally Bank filed an official title on XX/XX/XXXX stating the vehicle 's odometer as XXXX miles the original XX/XX/XXXX contract figure. XXXX independently recorded XXXX miles on XX/XX/XXXX XXXX months before that title was filed making the title physically impossible. The auction independently recorded XXXX miles on XX/XX/XXXX, confirming a XXXX discrepancy on Ally 's title. This is a documented violation of the XXXX XXXX XXXX ( 49 U.S.C. 32703 and 32710 ), which carries a minimum of {$10000.00} in statutory damages. Ally sold the vehicle for {$30000.00} {$2300.00} below the documented XXXX Guaranteed Buyback Value of {$32000.00} using a title with a false odometer reading, through an auction connected to the party that originated the fraud. This does not meet the commercially reasonable sale standard required under UCC Article 9. Ally is now pursuing a deficiency balance of {$7400.00} currently appearing in collections on my credit report a balance resulting from a sale that was commercially unreasonable, conducted with a fraudulent title, through a conflicted auction, and tainted throughout by the lending irregularities described above. I am requesting that the CFPB investigate Ally Bank 's role in financing an altered contract after four prior denials, the backdating of finance charges, the false odometer title filing, the conflicted repossession sale, and the enforceability of the deficiency balance now damaging my credit. A 300-page evidentiary dossier including forensic document examination, contract metadata, XXXX records XXXX and all correspondence is available upon request. Key Violations to Reference in the Form : Truth in Lending Act ( TILA ) backdated charges, no simple interest rate disclosed Federal Odometer Act 49 U.S.C. 32703, 32705, 32710 UCC Article 9 commercially unreasonable sale, deficiency balance challenge Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP )

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