Consumer complaint received 2023-05-29
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:
hi My problem Is with two finance company ally finance and XXXX XXXX XXXX last year on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I bought two cars one from XXXX located in XXXX CA XXXX XXXXXXXX XXXX limited {$4000.00} DOWN PAYMENT and another one from XXXXXXXX XXXX XXXX  in XXXX Ca XXXX XXXX XXXX {$7000.00} DOWN PAYMENT I was using both cars for my business. 
earlier that year I got divorce and my ex-wife moved out and my kids staid with me and I was dealing with their day to day stuff my daughter XXXX XXXX XXXX and my son XXXX XXXX XXXX so when I got those cars after one or two months my ex-wife gave me hard time on finance section and because of that I had to down grade my business which it was renting cars I was using turo application to rent out my cars which I had 5 cars listed there so I had passive income while I was taking care of my kids.after down grade I kept these 2 cars I bought and I spoke with both finance company and explained them the situation so at first I was one month behind payment so I was making payment but one month behind starting XX/XX/XXXX every day I was getting phone calls from both companies with all deferent numbers every single day they were keep harassing me and giving me hard time so after while I stop answering them only reason I stopped because everyday they were calling me so how many times I had to explain them my situation also I was making payments it was not like I was not making payments. I have their all voice maills and numbers even one time I asked the customer service regarding those number and they said non of them belongs to them! 
these are all the numbers they used Ally XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so on XX/XX/XXXX I made 3 partial payment to ally finance which the amounts was {$170.00} {$200.00} and {$600.00} and somehow two of them after a week got returned and I did not know about it so because they returned my payment so tactically I got behind more payment and they could repossessed the car also earlier on XX/XX/XXXX i got hit by another car so they car was at body shop and even they call the body shop and harassed them and wanted to take the car from bodyshop so since earlier they wanted to take car while I was paying. I have the statements. so on XX/XX/XXXX XXXX they came to repossessed the XXXX XXXX did not fight or gibe them hard time I even gave them the key so when I woke up at morning I find out my XXXX XXXX  got repossessed as while and I was shocked because like a week ago I spoke with them and everything was fine so I was wondering who add a order on the site in order to make the repossess company to take my car because I was 100 % sure it XXXX not from XXXX consumer because I spoke with the costumer Service one week before that so I have a latter from XXXX XXXX XXXXXXXX XXXX they took the car by request of XXXX XXXX and XXXX! 
I do have all their letters they send me. 
also after repossession they told me they will sell those cars and I might be own them again so now they sold my cars for way cheaper price and both finance company now telling me I own them XXXX XXXX and ally {$7900.00} they both took everything from me I lost my down Payments and those monthly payments I paid plus because of their actions my credit score went down from XXXX to XXXX now so I lost may capital plus bad credit score i can not do anything right now i can not get approval for anything or even buy stuff because they took all my money and my cars and damaged my credit score. I have all letters and phone calls and voicemails recorded to show somehow they force they way to do all those stuff to me.also both of them blocked me from accessing my account online all these files I have they are from before that.

please help me out I'm right in middle of an divorce while I have XXXX  kids to take care of and dealing with all these disaster they brought to me. 
thank you I will upload some of the documents If you need anything just let me know I will upload them or email them to you.

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