Consumer complaint received 2016-10-14
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX, I leased a XXXX XXXX XXXX from Ally Financial. In XXXX XXXX, Ally Financial drafted a bill to me for the personal property taxes they paid to Missouri for the leased vehicle. I received the bill in XXXX XXXX. I contacted Ally on XXXX XXXX, XXXX and advised them the taxed amount was incorrect. I also informed them I had attempted to appeal the amount with the assessor 's office, but I did not own the vehicle and had no standing to appeal. I informed Ally they needed to appeal the valuation. They stated someone would be in contact with me. After getting no response, I contacted them again on XXXX XXXX, XXXX. They had not disputed the amount and again told me I had to do it. I again advised I was not allowed to because I was not the owner. On XXXX XXXX, I contacted them and was promised a return call from one of their tax specialist within 48. I called back on XXXX XXXX. I was forced to file another dispute because the previous one was not filed. Over the next few months, I exchanged numerous calls with Ally. They informed me they never filed the appeal with Missouri. They said I would be responsible for the total amount. During these repeated calls, I provided Ally with all of the information contained in this email. I offered to provide them with an email including all the statutory information in this complaint. They repeated stated someone from their dispute resolution department would be in contact with me. ( I never received a call from that department ). In XXXX XXXX, I contacted them and advised them the XXXX taxes had also been calculated incorrectly. I again asked them to appeal the valuation. They did not do so. They continued to state I owed the entire amount " because it was already paid by us. '' I lodged another dispute. I turned in the vehicle in XXXX XXXX. In XXXX XXXX, I received the first of many letters stating I still owed them {$710.00}. I called and lodged another dispute. I was informed someone from their internal dispute resolution department ( XXXX (? ) ) would contact me and no collection efforts would occur until after that happened. This department never contacted me. I spoke with them several times in XXXX attempting to resolve the dispute. Each time I was promised a call back. I never was contacted by a dispute specialist. I contacted them on XXXX XXXX, XXXX after I received a letter from Ally indicating they would like to negotiate a settlement. I stated I would gladly pay them {$250.00}, the amount remaining on the corrected tax valuations. They stated they would not accept any amount below the total amount they stated I owed. I asked again for them to lodge a dispute. i was again promised a return call and told the case would not be turned over to collections until they contacted me. In late XXXX XXXX, I began to receive calls from a collections agency ( XXXX XXXX XXXX XXXX XXXX ) on behalf of Ally. I still have never received a call from Ally 's dispute resolution department. Further information is available which is not transferable through this system. I have the Missouri Statute describing personal property tax assessments, the XXXX values for XXXX & XXXX for the XXXX XXXX, and the tax rates for the city and county of my residence. I am hopeful you can assist me in dealing with this company 's unfair business practices.

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