Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This complaint concerns serious consumer protection, servicing, collection, disclosure, and communication issues arising from a motor vehicle retail installment financing transaction associated with a XXXX vehicle purchase. The consumer made repeated good-faith efforts to resolve the matter through hardship communications, debt validation requests, settlement discussions, and written correspondence directed to executive leadership, including certified letters addressed to the CEO and CFO of Ally Financial. Despite these efforts, the consumer did not receive meaningful responses to multiple certified communications concerning : debt validation ; servicing authority ; ownership clarification ; hardship accommodation ; account accounting ; settlement efforts ; and requests for good-faith resolution. Instead, litigation and collection-related activity continued while material disputes remained unresolved. FACTUAL CONCERNS Failure to Respond to Debt Validation and Certified Correspondence The consumer sent certified written communications requesting : debt validation ; accounting information ; clarification regarding ownership and servicing authority ; hardship review; and settlement consideration. These communications were directed to executive leadership associated with Ally Financial and related entities. No meaningful substantive response was provided despite repeated requests. Good-Faith Settlement and Hardship Efforts Ignored The consumer made multiple documented efforts to resolve the matter without prolonged litigation or escalation. A written counterproposal dated approximately XX/XX/XXXX, was submitted in good faith through counsel in an attempt to preserve transportation necessary for employment and daily living. Counsel indicated he lacked authority regarding the proposal, and the consumer never received a substantive response to the counteroffer or hardship-related communications. Instead of engaging in meaningful resolution discussions, Defendants continued filing motions seeking dismissal and dissolution of injunctive protections. Collection and Litigation Conduct During Active Dispute Collection-related communications and litigation activity continued while : debt disputes ; hardship requests ; validation requests ; and ownership/authority questions remained unresolved. Defense counsel also transmitted communications containing debt collection language while disputes concerning the account and authority remained active. Corporate Identity and Authority Concerns The consumer identified concerns regarding : inconsistent entity identification ; multiple related Ally entities ; servicing confusion ; and questions concerning authority and registration. The involvement of Ally Financial Inc., Ally Bank, Ally Servicing LLC, and related entities created substantial uncertainty regarding : the true creditor ; servicing authority ; ownership of the alleged obligation ; and the entity legally authorized to collect or enforce the account. The consumer also identified concerns regarding whether certain entities were properly registered or identified for purposes of conducting business and litigation activity connected to the account. Contract and Disclosure Concerns Additional concerns exist regarding : retail installment contract disclosures ; assignment disclosures ; servicing disclosures ; financing disclosures ; account transparency ; and inconsistent or unclear contractual documentation. The consumer believes the transaction and subsequent servicing activity warrant regulatory review for compliance with applicable consumer protection laws and fair dealing obligations. Financial and Emotional Harm The handling of this matter caused substantial : financial hardship ; emotional distress ; uncertainty regarding transportation ; and concern regarding continued employment stability. The vehicle at issue is necessary for employment and essential transportation purposes. Despite the consumers repeated efforts to communicate and resolve the dispute in good faith, meaningful responses were not provided. REGULATORY ISSUES REQUESTED FOR REVIEW The consumer respectfully requests CFPB review concerning : failure to adequately respond to certified debt validation requests ; failure to engage in good faith hardship review ; servicing and collection conduct during active disputes ; potential misrepresentation or lack of clarity regarding authority and ownership ; adequacy of disclosures ; fairness of communications and collection practices ; and handling of consumer disputes and settlement efforts. REQUESTED RELIEF The consumer respectfully requests : full written validation and accounting of the account ; clarification regarding creditor, owner, servicer, and collection authority ; review of all hardship communications and dispute correspondence ; review of collection and litigation conduct ; correction of any inaccurate information ; and investigation into whether applicable federal consumer financial protection laws and fair servicing obligations were violated. 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