Consumer complaint received 2024-01-06
Company: ALLY FINANCIAL INC.
State: UT
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In the XXXX XXXX  I was looking to get XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Arizona to inquire about this treatment. They told me to get the XXXX XXXX I had to do a XXXX  consultation on XXXX. They gave me the phone number. I called and there was a lady on the call that told me to get a consultation I needed to fill out forms. I filled out the forms ( which I don't remember ), they asked me questions about my address and at that time she told me I needed to fill out my social security. The only thing I remember is that the lady next said I was approved to get XXXX XXXX 
I went in to go get my XXXX XXXX  ( to the facility at XXXX XXXX ) and I said do I pay here? They told me no, you pay through Alley through a link. 
From there I didn't understand how and what was happening. I got a link and it told me I needed to pay monthly instead of for every service I was receiving which is what I told them I wanted. After learning more about it and doing research I realized they signed me up for a monthly service payment plan. I couldn't even go in for monthly services because the treatment I was getting was only able to be done every 6 weeks. So I was asked to pay for something I was not receiving. I don't have a job or a reliable source of income and they signed me up to make payments for a plan of over {$4000.00}. I never agreed or would have agreed to sign up for something so egregious. The lady was very pushy on the phone saying that if I did not agree to this today I could not go in for a treatment in the next week. I don't even know what I agreed to until I got a bill saying I was in a contract. 

I called about 5 months later after talking to my parents and only receiving 2 treatments. They told me to call and cancel the service and when I called they told me that XXXXXXXX XXXX they told me I needed call Alley because they go through a separate company. When I called Alley they told me no I could not cancel. They said they would stop charging me interest ( which I had no idea about ). I have struggled to come up with the money to pay this {$2300.00} off. I call them and they ( Alley Lending ) are constantly charging me late fees after 1 year later they are not telling me accurate information. I know their calls are recorded and after my last payment in XXXX of XXXX- where my mom called and paid it off, I told them " this is my last payment please confirm that '', which the representative did. Then in XXXX they sent me another letter with another payment due of {$130.00}. 

One time I went in for a treatment and they said I filed a dispute and they couldn't give me a treatment until I removed the dispute. I called to ask them to cancel whatever they signed me up for and to allow me to get services for what I had paid for. 

This is a company that took advantage of a ignorant XXXX XXXX  who had no job and source of income. They signed me up for something I could not agreed to pay for and did so in a secretive way. They did not tell me I would have to make payments monthly for services I never received. I wanted to pay for services I received at the time I received 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