Consumer complaint received 2019-11-15
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ALLY continues to report referenced account as past due and insists on assessing late charges, even after I have provided confirmation payments to dispute assessing of late charges. All payments have been made on time. XXXX Delinquent Account notice dated XX/XX/XXXX, stated that payment status shows ( 60 ) days late. This is an inaccurate assessment and must be corrected immediately. Continues to have a negative impact on credit reports and is depicting me as uncreditworthy. XXXX Credit report ( XXXX XXXX ), XXXX Credit Report ( XX/XX/XXXX ) show ( 60 ) days past due, amount past due ( {$1400.00} ) this includes the monthly payment ( XXXX ) and the assessing of late charges ( {$730.00} ). ALLY actions continues to have a negative impact on my credit scores. I find ALLY 's reporting totally inaccurate with no written proof to substantiate any past dues. How can ALLY insist that their position regarding reporting of past dues and amount of past dues remains unchanged when confirmed payment details/ banking statements were submitted to denounce the reporting of past dues and amounts past due. ALLY has failed to provide documentation to support their stance. I received a e-message from the XXXX XXXX XXXX XXXX stating that the XXXX showed where ALLY was paid on XX/XX/XXXX ( {$750.00} ) and XX/XX/XXXX ( {$750.00} ) electronically via Bill Pay. XXXX proceeded to inform me to contact XXXX and speak with a specialist in order to reach out to XXXX, the company that provides the Bill Pay services and see what they can do to assist on this pay issue. XXXX also stated that in some instances Bill Pay will call my biller ( ALLY ) to see what is actually going on and provide proof that my payments were in fact made and on time. XX/XX/XXXX payment was made after this letter. your information. I informed XXXX that ALLY stated that no payments have been receive by XXXX, KY Processing Center and that payment are made electronically.. When I received the monthly billing statement, it instructs me to make payments to the Payment Processing Center, XXXX XXXX XXXX XXXX, KY XXXX. XXXX informing me that payments were sent electronically to ( ALLY ). This I feel is where the miscommunications arises. ALLY monthly billing statements state to make payable to XXXX, KY Payment Processing Center. Then ALLY states that payment are being received electronically and no payments are being received by XXXX, KY. This was confirmed by the XXXX Bill Pay website. It appears that ALLY systems is not being notified that electronic payments have been received/posted on time. thus placing these electronic payments in a suspense file until it has been determined what account to credit. This system miscommunications is causing another department within ALLY to report payments are past due and proceeds to assess late charges. This is clearly noted for XX/XX/XXXX payment has been processed according to XXXX Bill Pay, but ALLY has reported account past due ( 30 ) days. Credit report does not show that actual payment ( {$750.00} ) had been made, only a late charge ( {$730.00} ). Based on this information it is request that I wish to know who is receiving payments ( Name or Company ). Could this be a third party who is not communicating with ALLY. How can ALLY assess late charges when due date has not arrived. Even the grace period has not arrived. But I continue to be assessed these outrageous late charges. Who has my payments and why are they not being reported to ALLY Payment Processing. XX/XX/XXXX detailed payment is not found on the credit file balance history report. I feel that amount owed should be $ XXXXReported late fees that have been assessed from XX/XX/XXXX through XX/XX/XXXX total {$8800.00}. These fees must be credited.

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