Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I am writing in response to Ally Bank 's XX/XX/XXXX CFPB response and to provide an urgent update. I have retained legal counsel who has been actively attempting to contact Ally 's Attorney Retain Department at XXXX. As of today my attorney has been unable to reach anyone at that number. Ally 's own XX/XX/XXXX letter directed all communication to that department upon receipt of attorney contact information. Ally 's failure to be reachable by my legal counsel while simultaneously proceeding toward a vehicle sale is bad faith conduct and a continuation of the pattern of ignoring my documented communications spanning 17 months. Ally 's response confirmed the vehicle has not been sold and extended the hold 10 days from XX/XX/XXXX making the approximate sale date XX/XX/XXXX. I am requesting Ally immediately halt any sale or auction pending resolution of this matter. Ally 's response did not adequately address the following : Their claim that all notices were sent to my address of record is directly contradicted by the fact that their own repossession agents came to my Indiana address on both XX/XX/XXXX and XX/XX/XXXX. You can not repossess a car at an address you claim not to have on file. I have evidence supporting my address changes and communications about this since the first repossession incident. Furthermore this contradiction proves Ally had my current Indiana address and chose to send disposition notices to an address they knew I had vacated. Ally claims they never received my previous disputes. I submitted disputes via certified mail, fax, and portal messages with confirmation. Ally 's own XX/XX/XXXX letter references my XX/XX/XXXX contact proving they received communications from me. Their claim of non-receipt is false and documented as such. The only certified mail I have received in connection with this vehicle came from the towing company, not from Ally Bank. This further supports my documented claims that Ally has failed to maintain reasonable communication standards throughout this entire matter. Ally 's suggestion that I use a XXXX XXXX XXXX as an XXXX accommodation is not a reasonable substitute for written communication. A relay service still requires phone-based interaction which I am unable to engage in due to my XXXX. This response does not constitute XXXX compliance. Ally has not addressed the {$630.00} in unexplained Other Charges that appear on my billing statements and modification agreement with no itemization despite over a year of documented written requests. Under Indiana XXXX XXXX, Ally 's failure to provide proper disposition notice to my correct address bars collection of any deficiency balance. Under Indiana XXXX XXXX and XXXX, statutory damages exceeding {$49000.00} may be applied as a setoff against the remaining loan balance. Ally is proceeding toward a vehicle sale while these unresolved legal violations remain on record with this agency. I am formally requesting to halt the vehicle sale pending resolution. I am looking for a fair outcome that works for both parties. I have documentation supporting my position and legal counsel engaged and ready to negotiate a positive outcome for both of us in good faith. XXXX XXXX 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