Consumer complaint received 2022-12-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX. I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the new a/c system. So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXX XXXX XXXX said that they will credit the money to my account. I told them no, because the XXXX payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. I received an email from Ally that XXXX XXXX XXXX XXXX XXXX XXXX stating their resolution. I emailed over XXXX times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. To make matters worse Ally verbally expressed that I have still to make the XXXX payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made XXXX payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX My previous case number XXXX The case is not resolved. Ally keeps charging an illegal, unjustified fee of {$180.00} and changed the min payment and has NEVER provided a new maturity date for the loan had a payment of {$5700.00} is. ALLY verbally expresses that I still have to make the XXXX payments. It's a lie that they spoke with me and told me that my debt will be paid off sooner. I need to keep the same multi payment and know how many more payments I still owe, I need to know my maturity day, They must respect the same XXXX  payment and should not be allowed to charge Other fees. Ally is being sued in multiple states for acting fraudulently, please investigate. Order them to provide me with the information that I have been requesting since XX/XX/XXXX Now, ALLY keeps changing the minimum payments from {$330.00} to {$360.00}. Asked for late fees when I am paying XXXXXXXX XXXX so far and charge {$180.00} additionally to the loan. Also claimed that the balance is {$15000.00} when the reminding of the loan is {$14000.00} ( After XXXX XXXX made the reimbursement of the Items that they failed to fulfill/installed due to their error ) If I don't have a decision with the correction that deserves my account, having less amount of payments since the debt is not longer {$20000.00} and the payment amount stays at {$330.00} and I don't receive a late fee for paying in advance. I will stop all together my payments until we have a resolution so far I pay XXXX, XXXX, XXXX, XXXX and tomorrow I will pay XXXX. If I don't get a resolution I won't make any more payments. 
Its stupid to force to pay late fees when I am paying in advance. 
ALLY is being sued in different states for similar fraud activities. DO SOMETHING STOP THEIR ABUSED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief