Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
CFPB Complaint Fraud by Ally Financial Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX Email : XXXX Financial Institution : Ally Financial / Ally Bank XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX Nature of Complaint This complaint concerns F-R-A-U-D ( fraud ) committed by Ally Financial. Despite my providing certified evidence, Ally denied my fraud claim without proper investigation and continues to demand payments from me. 



Details of Fraud I filed a fraud complaint with Ally Financial regarding an auto finance contract under Account # XXXX. Ally told me no fraud was found. 
I have clear evidence proving fraud : A police report documenting fraud. 
A certified copy from the Michigan Secretary of State showing the application for title was forged. 
A writing analyst report confirming the appointment of agent and the certificate of title were forged. 
A contract dated XX/XX/year>, at XXXXXXXX XXXX., which I never signed. 
A backdated Pennsylvania certificate of title dated XX/XX/year>, even though I did not sign the title until XX/XX/year>. 
Ally Financial itself stated in a previous CFPB report that the transaction date was XX/XX/year>. I also possess a dealer transaction paper showing XX/XX/year>, as the true transaction date. The XX/XX/year>, date is the result of an agent altering the certificate of title. 
Ally Financial has not explained : Whether they checked the timestamp on the forged contract. 
Who the investigator was.

What, if anything, they actually investigated.

Harm Caused Ally is forcing me to pay {$300.00} per month on a fraudulent contract.

This is unjust enrichment Ally is profiting from fraud and placing me in severe financial harm.

The backdated and altered certificate of title creates further legal and financial damage to me.

Relief Requested I request that the CFPB : 1. Investigate Ally Financials handling of my fraud complaint.

2. Compel Ally to stop enforcing fraudulent contracts and payments.

3. Order Ally to remove the fraudulent lien from my vehicle.

4. Require Ally to seize ( stop ) all payment demands immediately.

5. Investigate and address the backdated Pennsylvania certificate of title dated XX/XX/year>, which conflicts with the true XX/XX/year>, transaction date. 
6. Require Ally to disclose their investigation process and findings.

7. Require Ally to correct all fraudulent documents and compensate me for damages.

Supporting Evidence Available : Police report.

Certified Secretary of State title records. 
Handwriting analyst report. 
Dealer transaction paper ( XXXXXXXX XXXX XXXX ). 
Backdated Pennsylvania certificate of title ( XXXXXXXX XXXX XXXX ). 
Copies of forged contract and title paperwork. 


And also place a lien on the vehicle on XX/XX/XXXX in the car the title didnt get switched till XX/XX/XXXX stating that ally lien is invalid. Car must be switched within 21 days of purchase by not giving us a chance for this information does violate FCRA Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation