Consumer complaint received 2019-04-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX Vehicle XXXX XXXX XXXX purchased with trade in of XXXX XXXX XXXX and pay off of vehicle with same Finance Company Ally Financial. 
A week later Document sent from Ally Finance to my residence describing in detail that omissions and inaccuracies were provided by the Dealership in order to secure the loan for this new vehicle. Basically they were defrauded by XXXX XXXX, Followed by a Document the same month XX/XX/XXXX congratulating and thanking me for paying off the previous loan, nearly $ 14k. The Finance percentage increased to nearly 3 times more then the previous loan due to the Dealership Finance department in collusion with Ally Financial. I requested my loan submisission form from both Ally and Dealership within 2 weeks of this notice, both stated they no longer had this form. Ally assured it would be corrected. Never happened. 
I continue to make timely payments at {$690.00} a month awaiting for Ally to renegotiate the interest rate and payment. Never happened. 
XX/XX/XXXX, I requested to delay my payment due to the Government shutdown. Ally agreed verbally on the phone that I was eligible for a 60 day extension pushing any payments and fees to the end of contract. Regular scheduled payment to be payable on XX/XX/XXXX and that documents would be sent to confirm this agreement. In acuatuality Ally had already initiated a repo order and was reporting this information to the credit reporting agencies. 
Within 1 month calls began to come in, sometimes up to 12 calls a day came in to my cell phone from Ally requesting payment. They acknowledged the agreement and the payment plan but were only following up to update system with name, current address and phone number. Calls continued on nearly a daily basis with Voicemails overloading my inbox. All Call logs saved. I returned phone calls and again its stated that it was only to update system with my information. 
I forward all calls now to voicemail and inform them to use the other methods of contact, email and home residence. Never happened. 
Calls continue with attempts of basic extortion tactics and threats that money needs to be paid to make this stop. Inform them that they must honor the agreement of payment on XX/XX/XXXX. Several amounts differed from one rep to another in the amounts of {$1000.00} to Nearly {$5000.00}. Even though documentation sent from Ally leading up to this point never show those amounts being requested.I stopped answering my phone due to the excessivness of calls and threats. 
XX/XX/XXXX thru XX/XX/XXXX A total of 182 phone calls and voicemails documented call logs from Ally Financial from different numbers using several area codes On XX/XX/XXXX I call Ally and ask them why are they not acting in good faith and the threats and excessive calls. The Rep for Ally apologizes but is aware of the agreement but wants money this day. I inform him that I will self surrender the vehicle as that it's apparent they prefer to have the vehicle back before the payment arrangement they offered. I provide an agreed pick up point with the address of car lot. Ally does not retrieve vehicle, Car lot does not want to be liable for any damage. I pick vehicle up after a few days and park vehicle at my residence with unrestricted access for Allys tow contractors to retrieve self surrendered vehicle unimpeded. I again contact Ally Financial provide my name, the vehicle and the self surrender of vehicles location. Nothing. 
Ally being noticed of self surrender XX/XX/XXXX, vehicle as of today XX/XX/XXXX has still not been retrieved. 
On the date I spoke with Ally reps about not paying the {$5000.00} dollars, the Rep stated that they would initiate a repo order for not paying the nearly {$5000.00}, was asking what kind of condition the vehicle was in and if it was totaled? I said no, it's in perfect shape and still continues to have the full coverage insurance.It should be noted that in early XX/XX/XXXX while they agreed to the 60 day extension to me, they notified the credit reporting agenciesthe same week, dropping my credit score by a 100 points in one months time and continuing to update credit reporting agencies negativity in 4 day increments. 
Of 25 months of payments made on time, at {$690.00}. I believe their incentive was to keep delaying correction of the interest and payments. 
This vehicle is in New like condition will be sold and refinanced to another person giving their ability to make more money off a vehicle that this Finance company basically been paid nearly $ 14k on a $ XXXX vehicle only to resale it at close to the original selling price. 
So here this Vehicle sits in my from yard awaiting Ally to take Action, They were quick to tarnish my credit worthiness when I didn't agree to their threats. 
My advice is to save every document, record every discussion, keep a paper trail, you may need it to prove your claim. 
I maintained a log from day one of being notified by Allys documentation to me that they were being supplied information that was purposely misleading, ommisions and inaccuracies from the dealership to secure the loan, yet did nothing to correct it. 
This sounded like the bank housing crisis from the past where real estate agents and banks were allowing numbers to be manipulated to secure home loans. 
What is a consumer to do, where is my protection against these type of tactics?

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