Consumer complaint received 2016-12-03
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX repossessed my XXXX XXXX XXXX under the direction of XXXX XXXX . When I called ally I was redirected to the accounting department. There I spoke to XXXX XXXX In the accounting department. She advised me. Ally wanted my exsize taxes early. They did not want to wait until the end of the lease, and since they could not legally hit my credit ; they held my payments for ten days, and rejected them. If I wanted to retain my vehicle I had to pay the excise taxes and the cost of repossession. When I reminded XXXX XXXX of my lease agreement, section XXXX paragraph XXXX, she stated regardless of what my lease says, they really expect those fees to be paid sooner than the printed agreement. I advised XXXX XXXX if that 's the expectation, they should put the expectations in my agreement. I also advised XXXX XXXX, the bank is illegally seizing my vehicle. The bank knew I was a contractor when I spoke to XXXX XXXX. I provided names of all temp agencies, dates of employments, contact persons, numbers, etc. I provided the name of the college in which I attend, and he understood why there was always a lap throughout the year. Why I am able to retain employment within a month or two. The bank has had plenty of opportunities to repossess the vehicle. I went on to say I found it interesting that a month after I advised the bank I would be suing for the ongoing harassment. The bank decides to reposse my vehicle. XXXX XXXX Operations manager ordered a " Do Not Call after investigating the reports of harrassment the resulted in my terminiation back in XXXX by XXXX XXXX . 
XXXX XXXX used threats and force to cohorse a payment which resulted in the loss of my job. She advised me if I did not make an additional payment of {$500.00} by XXXX she would reposses my car. I told her I would not have it by XXXX, but I get paid on friday, she can have it then. She told me no. No one helped her when she was sick, so she is not going to help me. It 's called life! XXXX or the car is being repossed. I went to my supervisor, and I asked to leave to figure out how and who I can barrow {$500.00}. from I got a call from the staffing agency thirty minutes later stating I was fired. 
XXXX XXXX is the same supervisor that oversees XXXX XXXX and XXXX XXXX, that engaged in the same harrassment in XXXX leading up to the reposession in XXXX when I was terminiated from my position at the bank. XXXX XXXX was fully aware agents were still calling my home, work, and personal cell phone number. She acknowledged the do not call was still very much active, and that agents should not be calling. She would consistently apologize, but nothing was ever done to prevent the calls. When I would return the calls agents would refuse to transfer my calls. Communicating with the bank was impossible at times. From poor documentation, to agents refusing to transfer your calls. They would say things like I do n't have anyone here by that name. I have over XXXX employees. When you give them a location and an extension they refuse to search for it. Then your account manager would say things like you have not returned my call. Well I know you can see the last agent in my account, down in michigan, which means i know you can see I returned your call. The agent refused to transfer me to you. You can never get to who you need to speak to without going through a hassel. If you communicate online they just redirect you to call.

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