Consumer complaint received 2018-09-13
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The below email was sent Ally 's Financial prior to the negative late payment reporting notification that I received today. Please open a full investigation or call recordings and notes on my account that should prove I made the proper arrangements to avoid a late fee, negative credit report and negative account status. 

Thanks in advance, XXXX XXXX To Ally Auto XX/XX/18 To : Account Manager Only, XXXX : ***UNAUTHORIZED PAYMENT*** Last week, XX/XX/2018, I spoke with an account representative who advised that I had until Monday XX/XX/2018 to make the past due XXXX payment iao {$660.00}. He advised that the payment would have to be made before XXXX XXXX and that I would not be charged a late fee. The representative stated that my account would remain in good standing as long as the payment was made prior to XXXX XXXX and that he would note my account thoroughly. 

1. As agreed, I made a payment iao {$660.00} on XX/XX/2018 prior to XXXX XXXX 

2. This payment was made by a dear friend of mine, XXXX XXXX who authorized her bank card information. 

3. Someway, somehow, my personal check account was charged iao {$660.00} instead, in which I did not authorized, nor did I schedule any payment arrangements. 

4. XXXX Bank informed me that the transaction iao {$660.00} cleared at XXXX XXXX on XX/XX/2018. This transaction has been disputed. Please see the attached receipt showing the payment was made using another account. 

5. After speaking to one of Ally 's account representatives this morning who accused me of scheduling the payment myself iao {$660.00}, I prefer to only speak to an account manager who will take the time to listen and help me to resolve my concerns. 
***PLEASE NOTE : I did not schedule a payment to be drafted from my Chase personal checking account. The payment had to be manual made for me to ensure no late fee or negative reporting would occur on my account*** 6. I am requesting the call is pulled from XX/XX/2018 to confirm the verbal arrangements between the account representative and I regarding my XX/XX/XXXX payment. Please confirm the notes on my account, as well as the actions the representative took on his end. 

7. I am also requesting the late fee to be removed from my account and would like to confirm that my account is in good standing with no negative reporting 's to the credit bureau. 

XXXX. Please call me ( XXXX ) XXXX or email XXXX me with an update. 


Additional email sent XXXX XXXX Re : ***UNAUTHORIZED PAYMENT*** CASE : # XXXX To Ally Auto XX/XX/18 I would like to add, that I only received one email confirmation for payment iao {$660.00} which was authorized. Where is the email correspondence for the additional payment iao {$660.00} ( not authorized ), as well as the original email correspondence proving that I did scheduled the payment iao {$660.00} to be autodraft from my personal account. This is a violation of my consumer rights. I would like to have this resolved as soon as possible or I would be forced to ask the XXXX and CFPB to investigate on my behalf.

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