Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Subject : Urgent Update on Complaint Additional Evidence & Regulatory Escalation Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to provide an important update regarding my complaint against Ally Financial, XXXX XXXX XXXX, and XXXX XXXX. There have been significant new developments that further strengthen my claims, and I request that this additional information be incorporated into my complaint. 

1 Federal Reserves Escalation to FTC for Law Enforcement Inquiry The Federal Reserve officially referred my case to the Federal Trade Commission ( FTC ) for a legitimate law enforcement inquiry into XXXX XXXX and Ally Financials practices. 
This action was taken under the Right to Financial Privacy Act ( RFPA ), confirming the seriousness of my allegations.

I urge the CFPB to coordinate with the Federal Reserve and FTC to ensure the financial violations are investigated at all levels.

Supporting Evidence : Federal Reserves communication confirming the referral.

2 Ally Financials Violations : Harassing Calls & Credit Score Damage Despite my formal dispute of the fraudulent sale and predatory financing, Ally Financial continues to harass me with collection calls and is ignoring my requests to stop communication. 
Ally has now reported negative marks to the credit bureaus, severely damaging my credit score ( from 829 to 648 ) while my complaint is under regulatory review.

These actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

The Federal Reserve Bank of Chicago has officially begun investigating Allys potential UDAAP ( Unfair, Deceptive, Abusive Acts or Practices ) violations.

Requested Action : I urge CFPB to take enforcement action to stop Allys unlawful collection practices and hold them accountable for fraudulently damaging my credit while an active regulatory investigation is ongoing. 
Supporting Evidence : Recorded calls, credit report impact, Federal Reserves request for additional evidence. 

XXXX XXXX XXXX XXXX Misrepresentation & Evasion Tactics XXXX XXXX XXXX is actively avoiding liability for the dealerships misrepresentation, despite XXXX XXXX official branding and approval to conduct sales. 
Repeated call recording disputes : XXXX XXXX attempted to speak with me on a recorded line but refused to allow me to record the conversation as well, raising transparency concerns. 
Fraudulent Certified Pre-Owned ( CPO ) sale : I was told this was a XXXX XXXX vehicle with warranty, but XXXX is now denying responsibility and claiming the vehicle is outside their jurisdiction. 
XXXX is stalling and refusing to acknowledge its liability while under federal review. 
Requested Action : I request CFPB to formally investigate XXXX XXXX bad-faith handling of this dispute, its misrepresentation of certified vehicles, and its potential UDAP violations in misleading consumers.

Supporting Evidence : Recorded call disputes, purchase documents showing CPO misrepresentation, dealership correspondence. 

4 Urgent Request for CFPB Investigation & Enforcement Action Given the escalation of regulatory authorities ( FTC, Federal Reserve, and CFPB ) and Allys continued misconduct, I respectfully request : CFPB to investigate Ally Financial for FDCPA, FCRA, and UDAAP violations. 
CFPB to coordinate with FTC on XXXX XXXX fraudulent sales practices. 
Immediate enforcement to stop Allys harassment and reverse my credit damage.

An official response from CFPB confirming these issues are being reviewed under regulatory action.

Supporting Documentation : ( Attachments : Federal Reserve referral notice, Allys harassing call records, credit report impact, Hyundais CPO misrepresentation evidence ).

I appreciate your immediate attention to this serious matter and look forward to a response on next steps. 
Best regards, XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, CA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation