Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

During the week of XXXX XXXX, 2015, representatives from the Ally Financial collections department were calling my cell phone. The representatives would call over XXXX times a day, but the biggest issue was that they would call XXXX or more times in the span of XXXX minutes, causing my phone to continuously ring. I spoke with a representative and told her that I had no issue with them calling, but that I would appreciate it if they did not call multiple times in a row. I was responsive to their calls and did make a substantial payment in response, although it appears as though there was still some outstanding balance. 

Instead of doing the right thing and following the law, the representative decided that on Monday, XXXX XXXX, 2015 she was going to call me repeatedly over and over again. Between XXXX and XXXX she called from the number XXXX XXXX XXXX XXXX XXXX times. I was on a field trip with my daughter that day and began seeing the calls coming in. Immediately my nice day with my daughter turned into a XXXX situation. I could not even use my cell phone to take pictures of my daughter on the field trip because my phone was continuously ringing. But the XXXX ( XXXX XXXX phone calls is n't the end of the harassment I would endure that day. Between XXXX and XXXX the representative called another XXXX XXXX XXXX XXXX times from the same number. And it did n't even stop there. Between XXXX and XXXX the representative called from the same number an additional XXXX XXXX XXXX XXXX times. That means that in a span of less than XXXX hours, an Ally Financial representative called me XXXX ( XXXX XXXX times. But she was n't done. The representative called again around XXXX and at that time the field trip was over and I was able to answer. I picked up the phone, stated that she was out of line with the repeated calls and that I did not wish to be contacted via telephone any more. Instead of allowing me to exercise my legal rights, the representative argued with me. Then she told me I could not request that they stop calling without speaking to a supervisor. I told her that I knew that was not the case, to stop calling and I ended the call. What was her response? To IMMEDIATELY call me back yet again and continue to argue with me about my ability to request that they stop calling. I again stated that I did not want to be contacted via phone again and ended the call. 

I have evidence of these calls, and since that time, Ally has continued to call, using other numbers. They have not called repeatedly since then, but I made the request to cease phone contact which they have not honored. Furthermore, I specifically told the representative not to call my work, and she agreed to take that number off of the list. Ally stopped calling for a short period of time but has again started using that number. 

Since that time, I have sent emails, faxes and letters to Ally with absolutely no response. I sent an email to a Customer Service email address listed on their website and was told that this was not the correct email address and that the representative had " no possible way '' of directing my correspondence to where it needed to go. I find it absolutely impossible to believe that the email could not have been sent to legal or anywhere else to get it into the hands of the right people. So I have finally decided to take this action to get some kind of a response and resolution.