Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Date : XX/XX/XXXX To : Ally Financial Services XXXX XXXX XXXX XXXX, XXXX  XXXX STATEMENT OF TRUTH Dear Sir/Madam : I have been unsuccessful in my attempts to get this resolved. I Have spoken with customer support on XX/XX/XXXX. ( XXXX different Representatives ) over the phone and sent certified mail to the bill payment center of which an representative ( XXXX XXXX XXXX confirmed receipt of my correspondence. I was told I would get a call back regarding the Payment Form ( 1099A ) that was received. It was first sent post-marked on XX/XX/XXXX. And then subsequently sent certified Return Receipt Mail XX/XX/XXXX. ( Received XX/XX/XXXX confirmed via XXXX TRACKING ). Along with a letter of explanation and the Payment form ( 1099A ) that was accepted by the Internal Revenue Service on XX/XX/XXXX for payment of the total balance at the time of submission ( XX/XX/XXXX ) ( XXXX amount ) ( {$26000.00} ) and the Payment coupon from the billing statement for XXXX ( {$1300.00} ). This agreement has been satisfied per UCC code as paid in full. 

My account was put on XXXX XXXX, after payment agreement to extend my payments pending XXXX payments to be completed ( XXXX XXXX, XXXX XXXX ). This notification was not received by me until the XXXX. And stated, I can send via cashiers check, certified check, money gram, XXXX XXXX, or send a money order. It gave no other information. I later found out, through calling customer service, I had to apply a code for XXXX XXXX and moneygram. I left messages for the fraud department, ( XXXX ) with no return call. 
I have made several calls for weeks, on the phone for hours on hold with no results. XXXX payments have been made in XXXX : XXXX, XXXX via Bank Bill Pay from my XXXX XXXX  account $ XXXX ( confirmation # XXXX ) that was rejected and not accredited to my account. Of which I was told takes 14 days to be returned, with no one to confirm via phone to have knowledge of when this was done. It was not clear that Bank Bill Pay was not considered a cashiers check an Equivalent of a Cashiers Check XX/XX/XXXX via XXXX ( I requested XXXX XXXX, and the agent gave me this instead ) {$670.00} ( Reference # XXXX, Reciept # XXXX ) This payment has been noted as seen in the system, yet not accredited to my account. 

I am seeking XXXX for this to be resolved. 

XXXX This has brought me humiliation and embarrassment, having to constantly call and repeat my information and inhibit my ability to work at my job, on the phone for hours daily and weekly on hold and or with customer service whom do not know the nature of my call or can not connect me to the proper departmentsBeing treated like a criminal, when no XXXX has been committed by me. Forced to pay for money services, when I have been paying with my bank account since the open of my account with Ally. I have never missed a payment-prior. 
XXXX I was not able to keep my payment agreement for my extension request on XXXX XXXX. It has now been cancelled because payments didnt apply XXXX XXXX department, refused to help and assists me when they could have resolved the pending payments, and allow these payments to be allocated to my account as was given. 

XXXX To take payments, and not accredit them to my account, then hold them, without returning them is not agreeable to our contract and thus is deemed as fraudulent on by Ally when not allocating those funds to my account. Depriving me of keeping to my agreement, with no grounds on why, with no merit of explanation of documented agreement or contract. 
XXXX Payments be accredited to account, until Ally returns payments to be returned via the ways described in the letter XXXX Ally to let me know when funds will be returned ( date, confirmation # ) XXXX It is Fraudulent to not apply funds paid on my account, and then send letters of repossession for nonpayment, as I received on XX/XX/XXXX XXXX Show me Documentation, the Contract Agreement that clearly states, I can not Furnish a XXXX to absolve this debt and Cancel it through this process. 
XXXX Ally policies are for Ally, not the consumer holding the contract. Ally must still abide by XXXX XXXX XXXX, which XXXX, Ally internal policies. 
XXXX XXXX request to be removed off the Fraud Alert, as no fraud was committed or proof thereof XXXX XXXX of all Documents, if were deemed invalid, and not accepted, Yet Ally didnt return these documents to me. It is my understanding that there is an intent use them as given ( for payment ), if not returned, which makes them valid. ( when not returned ) 31- Copy of the signed original Agreement by both parties. I do not have a signed 2 Party Contract from XXXXwhich means we have no agreement. XXXX law states an agreement is between 2 parties that sign to validate the agreement. Yet I have none.

32- Stop Cease and Desists this activity against my account in retaliation for the above aforementioned Debt cancellation 1099A form of which was accepted for payment by the IRS on XX/XX/XXXX. 



I am requesting remedy for this issue to be resolved 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 explanation