Consumer complaint received 2023-03-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello I Hope this finds you well. 

I had purchased a used car through auto lenders in XX/XX/XXXX. I have appreciated, taken care of and appraised my XXXX XXXX XXXX. I am reporting Ally financial for placing inaccurate and fraudulent claims on my credit report without my consent. Ally financial has been reporting my car loan payments as late payments since XXXX of XXXX when my records and statement show that I have been making my payments of {$320.00} on time and or within the company grace period. According to the 3 credit bureaus, partial payments are not to be considered late payments. 

The reason the I am calling the payments partial is because of the balance due on my account is more than my monthly payment being that I was having a hardship. In the past year, I have had multiple life changing and life altering situations such as relocating, giving birth, losing family members, jobs, etc.. like many others due to the pandemic. I communicated my hardships and I asked Ally for assistance with my loan in XX/XX/XXXX until XX/XX/XXXX. 

Ally was not willing to defer or adjust my payment plan to fit my current situation to withhold our contract. 

I kept the payments of {$320.00} up but I didn't have the funds to pay off the whole balance just yet, the whole time I'm keeping my payments up Ally is busy harassing my cosigner and I ... the harassment gotten worse in summer of XXXX and I had to tell an ally employee to tell their third parties to stop harassing my grandmother. 

I also experienced multiple third parties associated with Ally calling me with false information trying to cause fear and confusion while doing their best to gain information on me. 

For a year now, Ally has been tracking me and my personal information with third parties that I did not consent to having my information. 

Ally took action on my account and my vehicle with no notification. I have been telling Ally that I have not received any letters, any emails, any calls or text messages that my vehicle was out for repo on XX/XX/XXXX. 

Anytime I was notified in the past with ALLY about my vehicle and repossession, I immediately handled the situation by doing what they asked. 

Again, Ally refuses to pay a doable payment plan to make our contract work in these changing times. Instead of helping or adapting, they are attaching late fees to my " partial payments ''. 

It's now XX/XX/XXXX and its been an excruciating two days because Ally 's third party XXXX XXXX XXXX repossessed my car on XX/XX/XXXX every XXXX of the month I make my payment and I still have had online access to pay my bill for two days. The fact that I could make online payments still confirms my fact that my account was still in good enough standing for my account to become current. My account with Ally is not reflecting the correct information on my behalf on my credit reports. My ally account history also doesn't reflect the fraudulent actions ALLY Financial and others are taking against me. 

Ally financial continues to make demands to pay them {$1900.00} when I was in the middle of making the payments of {$320.00} as agreed and working to pay down my balance. 

Before I had the chance to mention to Ally that I no longer have access to the address the had on file, ally acted on the wrong information. 

I need this information corrected ASAP. Thank you so much, I appreciate all that you do.

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 explanation