Consumer complaint received 2021-02-24
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX XXXX I purchased a XXXX XXXX XXXX it was financed through ALLY Finical and I got behind on payments. They repossessed my car in XX/XX/XXXX and I was forced to file XXXX XXXX When purchased the car I was XXXX well I went into XXXX XXXX my daughter was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained to ALLY that the month of XXXX I almost lost XXXX kids it was very traumatic for us, She came home in XX/XX/XXXX a couple weeks before they repossessed my car over XXXX that was at 90 days which I didn't get a notification then and I had also spoke with Ally and told them that the same month XXXX I found out that my son had XXXX he had to be hospitalized so I was not able to work. They sent the notice to cure to an old address but picked the car up from my new address which they claimed they didn't have. They done this again a couple weeks ago claiming they didn't have the address but picked it up from my current address. As far as the bankruptcy goes we fell behind because of the pandemic that hit my husband had to take time off because we had 2 vulnerable kids. So the bankruptcy was dismissed because we couldn't afford the XXXX a month payments. So time went on the bankruptcy was dismissed in XX/XX/XXXX and on my credit it shows that the account was closed with a XXXX balance. Ally never sent notice to cure to me I just caught the repo man taking my car and I did not have a problem making arrangements if they would have contacted me they had my number it has not changed no one called and or emailed so how was I supposed to know. Now they want XXXX to get the car back that they stole from me. I do not have a problem setting an arrangement with them, But I do not have XXXX to get car back they should have properly notified me and we could have discussed payment .We are in the middle of a pandemic I NEED my car I can not take my kids one who has to have XXXX every XXXX weeks and can not use public transportation. I would like to have my car returned with a reasonable amount to get it back and start over with making payments, This is one thing that I would not have just disregarded, my kids depend on this, and a home those are 2 things that we have to have, Its frustrating dealing with them because they do not do fairly and do not notify like they are supposed to, They knew that I did not live in XXXX XXXX but yet they continue to send the notice to cure to that address knowing I wont get it and that the mail will get returned to them but they pick my car up from the place where I live but cant send notice or call the same number that I have had for 4 years and they sent me an email XX/XX/XXXX but said nothing about getting a hold of them or to call them. I do not understand how these companies keep getting away with this as if the law does not pertain to them,

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