Consumer complaint received 2021-11-16
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, I called Ally to request a deferment due to my wifes mother passing away. I was granted that deferment. I was told I needed to pay {$650.00}. up front and the representative told me to ask family or friends for help. I did that. A friend put {$700.00}. on two prepaid Visas. The very next day I called to pay. The Ally representative refused to accept those visas. I told her I got paid on the XXXX of XXXX. She said that was fine, to just set it up to be withdrawn online per the app. I did exactly that. However 5-6 months after XXXX, Ally has reported me late to the credit bureaus. We had to use all our savings to travel and bury my kids grandmother. As soon as I returned, I immediately contacted ALLY to request a deferment. All of this information is supposedly recorded every time I call. At least, I am told these conversations are recorded. I have spent the last two years sending certified letters, emails and even hired a credit repair company ; XXXX XXXX ( out of XXXXXXXX XXXX  ). I recently contacted my state Attorney General and have only received one email back and have been waiting for another response for a month now. I also contacted my XXXX, XXXX XXXX and have yet to hear back from them either. 
From XX/XX/XXXX to XX/XX/XXXX, no payments should be reported as late, as I made my {$650.00} dollar payment on XX/XX/XXXX ( the date I said I got paid, since they refused to accept the {$700.00}. I had on two prepaid visas ) This is all agreed on in the recorded audio with Allys representative who are clearly outsourced to XXXX. When I called Ally upon finding out Ive been reported late for months, I was told that my bank never released the funds. I called my bank, XXXX XXXX XXXXk and they were released the day I told them I could pay. So they bluntly lied to me, then played the victim. They have ignored every email I have sent in regards to what they did to me. Except recently they responded when I found out they reported me late again in XX/XX/XXXX. Which I do not understand because I pay on their app through direct payments. I brought it to their attention and they claim they didnt. I have a paper trail of certified letter receipts, all written correspondence with Ally, bank statement, and the two Visas they refused to accept. Its been two years, and my lease is up in XX/XX/XXXX, and I do not qualify for a home loan due to what Ally has done to me. I am a ( 100 % ) XXXX Combat Veteran, my wife is a full time XXXX student, so we live off a fixed income. If this issue does not get resolved, I am at risk of putting my family XXXX. Can you please help me resolve this issue. The conversation between the Ally representative and myself is proof I did what was asked of me. 

Thank you, XXXX XXXX XXXX XXXX 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