Vehicle loan or lease -- Struggling to pay your loan -- Complaint #18394642
Complaint Overview
Complaint ID: 18394642
Company: Ally Financial INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
State: Arizona
ZIP Code: XXXXX
Date Received: 2025-11-11T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
My wife XXXX XXXX past away in XX/XX/year>. I informed Ally Auto Finance and gave a death certicate of the claim I have paying some of the monthly payment or ask for a new contract since the vehicle is in her name. I have sent affidavit of they have the promise note by law AFFIDAVIT OF A PROMISORY NOTE Promissory Notes are legal tenders All commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by statutes such as 12 USC 1813 ( l ) ( 1 ), UNIFORM COMMERCIAL CODE ; UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). 1. Promissory Notes and other commercial instruments are legal ten der and financial assets to the originator and a liability to the lender. If a security interest in the note is perfected, by recording it on a lien as a registered security, the maker or originator becomes an entitlement holder in the asset. But the debt collector does not understand that they have this liability because most people are unaware of it. a. UCC 1-201 ( 24 ), 3-104, 3-306, 3-105, b. UCC 8-102 ( 7 ), ( 9 ), ( 15 ), ( 17 ), 8-501, 8-503, 8-511 c. UCC 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ) , ( 49 ), ( 64 ) d. 12 USC 1813 ( l ) ( 1 ) All commercial instruments such as promissory notes, credit agreements XXXX bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), U.C.C. ss 1-201 ( 24 ), ss3-104, ss8-102 ( 9 ), ss9102 ( 9 ), ( 11 ), ( 12 ) ( b ), ( 49 ) ( 64 ). These statutes define a promisssory note or secuity to be negotible ( sellable ) because it is a financial asset. This is necessary because a contracts requiring lawful money are illegal to pursuant to Title 31 USC ss5118 ( d ) ( 2 ) A financial institutions is not the true holder in due course upon merely crediting the depositions account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Truth in ladnding Act, Regulation z,12 CFR ss226.23 says that the security agreement signed with a lender can be rescined if they have not provided the proper disclosures. The Fair Debt Collections Practices Act 25 USC ss 1601,1692,1693, proviedes remedies for decetive or unconscionable contracts and allows payment in any legal tender under U.C.C. ARTICLE 3.
Frequently Asked Questions
What is Complaint #18394642 about?
Complaint #18394642 was filed against Ally Financial INC. regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2025-11-11T12:00:00-05:00.
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 (Vehicle loan or lease) 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.