Q: Paid off car loan, haven't received title from Ally despite assurances. Next steps?
I paid off my car loan with Ally, which was financed through CarMax, in August 2024. Despite making several attempts to obtain my car title, I still haven't received it. Each time I've contacted Ally, they assured me that the title would be sent, but it has yet to arrive. What steps can I take to resolve this issue?
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A:
It's incredibly frustrating to have paid off your car loan months ago and still not have the title in hand. Since you've already made multiple attempts and received repeated promises without results, it's time to escalate. First, gather your proof of loan payoff, any written communication from Ally, and a record of all your calls or messages with dates and responses.
Next, file a formal complaint with the **Georgia Department of Revenue’s Motor Vehicle Division**, as they oversee vehicle title issues in the state. You can also file a complaint with the **Consumer Financial Protection Bureau (CFPB)**, which handles issues related to loan servicing and lenders like Ally. Sometimes, a regulatory complaint will prompt a faster resolution than customer service channels.
In the meantime, you may want to send Ally a certified letter demanding release of the title and giving them a firm deadline to respond. Keep copies of everything. You’ve fulfilled your end of the deal—now it’s time for them to honor theirs. Taking these steps can help ensure your title gets released and prevent unnecessary stress down the road.
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