Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

CFPB CASE NUMBER XXXX Dear Ally, CFPB, and XXXX from Ally who responded without a last name an executive from Customer Relations. XXXX XXXX : XXXX and XXXX. 

After the response I have received from XXXX from Ally, I am so disappointed and heart broken. Let me explain why. I have provided documentation showing this vehicle was a lemon and that XXXX and XXXX XXXX has agreed to let me return this vehicle back. I do not plan on having a vehicle that caused me nightmares and almost XXXX. I got a brand new XXXX for a reason. I paid every bill on time WHILE THE VEHICLE HAD ISSUES, and I lost money paying you guys {$6000.00} for a vehicle that was damaged from XXXX and XXXX when I had to replace it with another XXXX and a new lease. 

Number two, I fulfilled the lease payments and you received {$6000.00}. The {$740.00} charge is for damages that you tried to collect for bogus fees on the vehicle and you are ruining my credit. {$500.00} of the {$740.00} was for tires for a vehicle that had under XXXX which was a XXXX XXXX edition and the tires are supposed to be good for XXXX to XXXX miles easily. I provided services records explaining numerous times the car keeps pulling to the left, hence maybe why the tires didn't pass inspection. NOT MY FAULT. This vehicle ALMOST XXXX ME TWICE ON THE ROAD. CALL XXXXXXXX XXXX LOOK AT THE SERVICE RECORDS. I cant believe I am explaining this. 

Number three. XXXX you sent me paperwork to an address I do not live in. WHY DID YOU SEND LETTERS TO XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX about reporting negative on my credit report. WHY DID I NOT RECEIVE IT AT MY HOME ADDRESS. 

I live on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I TOLD ALLY XXXX TIMES OVER THE PHONE THAT IS MY ADDRESS AND HAS ALWAYS BEEN MY ADDRESS. 

Number XXXX. The payment plan you are referring too, the money was in the account the next day. Never have I had a creditor try collecting money, and didn't try for XXXX hours. If I provide my bank statements for the payment plan you will see I am telling the TRUTH. 

You can call XXXX, You can call XXXX dealership, I can send you service records, I AM TELLING THE TRUTH, I LOVED THIS JEEP, I did NOT WANT TO GET RID OF IT. This is bogus. Ally and XXXX should talk to each other, and know you guys should of never sent me a bill in the first place. NEVER EVER.. I ALMOST DIED DRIVING THIS VEHCILE. I am not a person who sues, or wants to do that. I work for a XXXX dealership, I love XXXX. I did not do anything malicious, this vehicle could not get the seat belts to be fixed, I have two XXXX  Did you not see the letter I provided showing I had to sign a document not to sue XXXX because of this vehicle that is damaged. And Ally charged me {$740.00} for damages for tires and scratches Are you kidding me? I spent hours and hours at the dealership trying to get this car fixed. Ally XXXX had to replace the engine ... .. OMG I am so upset this is not fair. 

You CHARGED ME {$740.00} ON FAKE AND FALSE CHARGES. YOU guys lied to me. You told me I had until 2026 to pay this and you would not report anything on my credit. 

Why would I ruin my credit over {$740.00} dollars you guys are charged me on false charges on the tires... 

Why is no one understanding I am being the VICTIM in this case for NO REASON. I did not do anything wrong for you to damage my credit, and you basically stole {$740.00} from me, and ruined my credit. 

I am losing sleep over this. PLEASE JUST FIX THIS. UNDERSTAND WHERE I AM COMING FROM..