Debt collection — ALLY FINANCIAL INC. (LA)

Debt is not yours. entered a consumer credit transaction with ALLY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.