Consumer complaint received 2018-04-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Business Information Business Name : Ally Financial, Inc Address : XXXX, MI XXXX Phone : ( XXXX ) XXXX Complaint Details I have had Ally since XXXX when I got my van. I set up auto pay through my bank with a set amount for each month. In XX/XX/XXXX I did a split payment and actually increased the amount to be given. The second payment was not posted to my account and I was marked as being late with a late fee and a negative credit rating change along with collection calls. In XXXX a single payment was submitted also with an increased amount this was also not posted and again my account and credit ratings negatively were impacted. In XXXX I submitted a payment of less the over pay from XXXX and XXXX this was posted to my account. I have made numerous calls and emails to the company along with calls to my bank and my bank calling the company submitting proof of payment and my bank being able to show proof that each of the 2 checks that were not posted were signed for and that XXXX 's was cashed but not posted. My bank ( XXXX ) has submitted this documentation to Ally on multiple occasions and a second check and stop payment on the XX/XX/XXXX payment that was signed for but had no further actions as well as the proof of check received and cashed for the XXXX payment. I have been on the phone more times than I can count and have had several collection calls as well as my credit reports are showing that I am moving towards the 60-90 day late. My account has yet to reflect that the full payment and amount was done and on time in each on the months of XXXX, XXXX and XX/XX/XXXX. I want a letter of apology for the incompetence this company has shown and the negative impact it has made on my life with my credit ratings and reports. Because of this I have been denied refinancing and other credit. 
I sent in a complaint to the XXXX but due to the fact Ally nearly refuses to comply with any written response no resolution has been made. 
I was contacted by Ally following the original complaint and told all of my concerns were seen and would be fixed, however nothing has been fixed. We were able to find 1 area of issue that seems to be getting dealt with but only because I have MY financial institution of XXXX XXXX XXXX ( XXXX has been amazing in all of this ) helping me where they are able to. I am still having issues with getting Ally yo follow through. 

Desired Outcome/Settlement Desired Settlement : Correction to my credit reports. 
I am requesting that my Ally account and all of my credit reports be updated immediately to reflect the company 's ( Ally ) errors. I want all late fees removed I want my credit reports to indicate that Ally has failed to do their job correctly and that I have not been non-compliant and I am up to date and in full and on time with all of my payments. I want my XXXX payment to show in all areas I was in full and on time. Same with XXXX and XXXX and XXXX. I want days late to be fixed showing on time and in full on all of my reports with no indication of being late. I need the appropriate payment amounts to be applied to the proper billing dates. $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX Complaint Details Nature of Complaint : Billing or Collection Issues Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX  Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : None Provided Complaint Details ( cont. ) Product/Service : Vehicle XXXX XXXX XXXX XXXX # : None Provided Order # : None Provided Purchase Price : XXXX Payment : None Provided Check Disputed Amount : XXXX

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