Consumer complaint received 2016-04-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
My name is XXXX XXXX XXXX, current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I am filling a complaint for the past due dates reported to the Credit Bureaus from Ally Bank on account # XXXX. My credit score went from XXXX ( checked on XX/XX/XXXX ) to XXXX ( checked on XXXX/XXXX/XXXX ). This negative reports from Ally is unfair and done in error. I will explain to you what happened : I first went to this dealer ( XXXX ) on XX/XX/XXXX and I leased a XXXX Buick Enclave for 39 months with Ally Financial as the bank. My lease was about to expire and I visited the dealership on XXXX/XXXX/XXXX for a buy-out. I had a last payment of {$350.00} towards my lease due on XXXX/XXXX/XXXX but at the dealership they said that I did not have to make that last payment because it was going to be included in the new financed amount. We closed the deal and I got my new loan with Ally Financial as well. A few days later ( XX/XX/XXXX or so ) I got an e-mail from Ally Financial regarding my last payment towards the lease ( XX/XX/XXXX deal ). I called the Finance Manager from the dealership ( XXXX ) and he told that the paperwork was still in the process to be updated in their system and not to worry about it. Then a week later I started receiving calls from Ally Financial trying to collect the last payment on the lease ( XX/XX/XXXX deal ), I explained to them that I went to the dealership for a buy-out on XXXX/XXXX/XXXX and that I did make that last payment because I was advised by them that amount was going to be included in the new deal. I then called the Finance Manager XXXX again and explained to him what was going on. The calls kept coming and I went to the dealership again on XXXX/XXXX/XXXX and spoke with the Dealership Manager ( XXXX XXXX ) and explained to him what was going on. He said that the Finance Manager XXXX was not there and referred me to Finance Manager XXXX XXXX who promised to pulled my file and give me an update Monday or Tuesday next week. I spoke with Finance Manager XXXX on Tuesday and he said that by pulling my file he noticed that there was something that needed to be fixed on their end, that he was going out of town but Finance Manager XXXX was going to take care of it next day. On XXXX/XXXX/XXXX I checked my credit reports online and Ally Financial did report me. I then e-mailed Finance Manager XXXX on XXXX/XXXX/XXXX with the report copies and asked him to help me and as of today he never answered my e-mail. On XXXX/XXXX/XXXX I called Finance Manager XXXX and he said that if they were going to pay for that last lease payment that he needed to see a bill. I sent him said bill ( late fees included ) via fax to XXXX as he told me to do. It was not until someone at Ally Bank started contacting the dealership that this problem got solved ( by the end of XXXX XXXX ). They were able to finally collect that last payment from the dealership ( since they never included same in the new financed amount when the buy-out was processed ) but my credit got hurt in the process. While they were trying to collect this last payment from the dealership, they kept reporting my account to the credit bureaus as past due. I contacted Ally to try to solve this but they said than they had to report me to the Credit Bureaus because even though the payment was not suppose to come from me since the dealer 's finance department made a mistake at the time the new loan was created, I was the one liable for the account. 
I want Ally to correct the information reported to the Credit Bureaus and also, if possible, send notices of corrections made to my credit report to anyone who received it in the last six months including myself. I care very much about my credit and has always fulfill the debt obligations I have gotten into.

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