Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX To twins, auto XXXX XXXX I am writing to formally request the rescission of the servicing agreement associated with my purchase of a XXXX XXXX XXXX due to breach of contract and failure to transfer the title within a reasonable timeframe. 

1. Chain of Title Irregularities Upon reviewing the vehicles title history, I have identified several critical irregularities in the chain of ownership : XXXX XXXX XXXX to XXXX XXXX : The original owner, XXXX  XXXX XXXX XXXX correctly had their signature notarized when transferring the title to XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX : The seller from XXXX XXXX XXXX not have their signature notarized when transferring the title to Accurate XXXX XXXX XXXX XX/XX/XXXX, in Section B, rendering this reassignment invalid. 
XXXX XXXX XXXX to XXXX XXXX XXXX : The seller from XXXX  XXXX XXXX failed to notarize their signature or date the reassignment when transferring the title to XXXX XXXX XXXX in Section B, resulting in another invalid reassignment. 
XXXX XXXX XXXX to Myself** : XXXX XXXX XXXX did not notarize their signature, complete their reassignment, or fill in the purchase price when selling the vehicle to me on XX/XX/XXXX, in Section B, further invalidating this reassignment. 

Additionally, the bill of sale from XXXX XXXX XXXX lacks the purchase price, raising further concerns about the legitimacy of the transaction. 

These discrepancies indicate that each subsequent reassignment after the initial transfer was improperly executed, lacking proper notarization, dates, and essential sale details. Such omissions violate the instructions clearly stated on the Pennsylvania title, which mandate signing in the presence of a notary with an affixed seal. 

2. Legal Implications Under Michigan Compiled Laws ( MCL ) 257.233a, the transferor is required to present to the transferee, before delivery of the vehicle, a written disclosure of odometer mileage by means of the certificate of title or a written statement signed by the transferor, including the transferors printed name and other pertinent details. Failure to comply with these statutory requirements renders the title transfers invalid and unenforceable.

Furthermore, MCL 257.239 stipulates that a person shall not fail or neglect to properly endorse and deliver a certificate of title to a transferee or owner lawfully entitled to the title. Violation of this section is considered a civil infraction, punishable by a fine of up to {$100.00}.

3. Impact on Ownership and Registration Due to these improperly executed title transfers, I am unable to legally register or operate the vehicle, as the chain of ownership is compromised. This situation has caused significant financial and personal inconvenience, depriving me of the lawful use of the vehicle. 

4. Incident at XXXX XXXX On XX/XX/XXXX, I visited XXXX XXXX in XXXX, Michigan, and requested to speak with the office manager, XXXX XXXX, regarding my situation with the XXXX XXXX. She declined my request, stating that I did not need to speak with her. I later learned that she was the signer on the vehicle title. During my visit, I also spoke with the owner, XXXX, and Al, who stated they could not look up my information in their system and claimed they did not know me. They further warned me to stop emailing them or they would call the police for harassment. Ally financial is the bank that's servicing this contract...

5. Demand for Immediate Resolution In light of the above violations and irregularities, I formally demand the following actions within 10 business days from receipt of this letter : Immediate rescission of the servicing agreement and release from any associated obligations. 
Refund of all funds paid, including the purchase price and any related fees. 
Assistance in rectifying the title issues, ensuring a valid and legal transfer of ownership, or accepting the return of the vehicle. 
Compensation for any additional expenses incurred due to this matter, including but not limited to alternative transportation costs and legal fees. 
Failure to address these demands promptly will compel me to pursue legal action, including filing complaints with the Michigan Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), as well as initiating litigation for fraud, breach of contract, and violations of state and federal consumer protection laws.

Company response to consumer: Closed with explanation