Debt or credit management -- Confusing or missing disclosures -- Complaint #10359728
Complaint Overview
Complaint ID: 10359728
Company: Ally Financial INC.
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Confusing or missing disclosures
State: Arkansas
ZIP Code: 722XX
Date Received: 2024-10-05T12:00:00-05:00
Date Sent to Company: 2024-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX 5 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial XXXX. Account info Account name XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, 033 past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$4000.00} 15 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$750.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$750.00} Balance updated XX/XX/XXXX 15 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8800.00} U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$460.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$460.00} Highest balance - Terms 1 Months On record until XXXX XXXX5 U.S. Code 1692 outlines the rules for communication between debt collectors and consumers3. Debt collectors may not communicate with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial XXXX
Frequently Asked Questions
What is Complaint #10359728 about?
Complaint #10359728 was filed against Ally Financial INC. regarding Debt or credit management specifically about Confusing or missing disclosures. It was received by the CFPB on 2024-10-05T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against Ally Financial INC.?
Yes, visit the Ally Financial INC. company profile at readthecomplaint.com/company/ally-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.