Consumer complaint received 2016-08-01
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.

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