Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.

Complaint:
What is this complaint about? 
The complaint is against the performance and collection of the company Ally Financial for the purchase of a used XXXX XXXX vehicle, with VIN XXXX and agreement or account number : XXXX. 
What kind of problem do you have? 
They sent me to a debt collector or Collector, when a previous email had been received from ALLY FIANCIAL where the balance was XXXX and I would only have to wait for the formal letter of the account paid and settled. However, I was reported for bad payment and then sent to a collector without complying with a reasonable time or collection calls, or some different communication of payment. In other words, a letter was received from Ally financial where they explained the surplus that was left after the car was delivered in voluntary return and the sale at an auction that we did not know how it was made. This surplus according to the letter received on XX/XX/XXXX ( the day I arrived at the mailbox ) and dated XX/XX/XXXX, is worth {$3300.00} balance that according to the letter " to obtain more information about this transaction or to make payment arrangements, you can call the phone number listed at the top of this letter or the address. However, on XX/XX/XXXX I was already receiving an alert from XXXX informing about an account with negative information again from Ally Financial reporting to Collector but for {$2500.00}. 
What happened? 
Call the phone number XXXX as indicated in the only letter that I have received on my behalf from Ally Financial and speak with XXXX XXXX in XXXX, who actually affirmed that I had been sent to a collector and that I should arrange with They, when they did not even give me days to understand where the balance came from or know when and how to pay that supposed debt that was left from the return of the car. 
What company is this complaint about? 
Ally Financial XXXX. XXXX  XXXX XXXX MN XXXX Phone : XXXX More information about it : my roommate who I helped with my credit score to buy his vehicle XXXX XXXX XXXX  XXXX, XXXX XXXX, through ALLY financial, in fact before the return of the vehicle that was between the XXXX or the XX/XX/XXXX the payments were made by and all communication was made and received by ALLY financial with XXXX XXXX directly, in turn all emails or calls between Ally Financial were always made with him. I was not even in their phone records, they did not even have a record of my social number, until the end of XX/XX/XXXX when through a denial of federal aid credit for the COVID issue I learned about this whole matter of non-payment and proceeded to call ALLY at XXXX phone numbers : ( XXXX at XXXX at XXXX at XXXX at XXXX at XXXX XXXX at XXXX at XXXX and XXXX ) where none of the people solved anything for me. Also, on XX/XX/XXXX through the email from ALLY FINANCIAL ( XXXX ) announced that the account was paid in full, therefore it would have to wait 7 business days confirming what has already been described ( email attached ). 
On XX/XX/XXXX I sent a letter by certified mail to XXXX to appeal this situation and where I explained that since XX/XX/XXXX when the car was taken to be auctioned, ALLY FINANCIAL did not communicate again and when HE called they only told him you had to wait for the auction. Ally Financial also reported me in arrears from XXXX to XX/XX/XXXX damaging my credit history, taking into account that it had been returned at will because the installments could not be paid and even so the car was being used by ALLY FINANCIAL because already It was not a garment in use by HIM From that auction it was never known whether it was public or private or its details. 
What was known since XX/XX/XXXX was that there was no balance to pay. However, everything changed on XX/XX/XXXX for a letter dated XX/XX/XXXX and that arrived at the mailbox of the apartment on XX/XX/XXXX where now there is a balance of {$3300.00} and in addition to the days I was transferred to a collector not for that value but for another value {$2500.00}. 
To my unpleasant and last surprise on XX/XX/XXXX I see reflected through XXXX  that I was again reported in collector for a value of {$2500.00} because ALLY FINANCIAL reported me for a payment that has never been refused to be paid. I am sending this complaint because I am the one who is reported to the collector and I never received any telephone or email communication or any other letter on this matter from ALLY FINANCIAL. When I helped my roommate in the purchase of his vehicle, which was on XX/XX/XXXX, I knew that HE was responsible for the payments and that I would be aware of every communication in this regard and with this I do not mean I do not assume my responsibility of course I do. I do NOT agree with the mismanagement given to this account where the only injured party is me who can not even drive a vehicle due to a physical condition that prevents me, due to XXXX XXXX XXXX as a result of a work accident suffered in this country. 

Letter sent to XXXX : XX/XX/XXXX Denial of loan to Federal Government : XX/XX/XXXX Documents you want to include : Payment statements Letter to XXXX  Email where ALLY FINANCIAL states that there is no debt. 
XXXX from Ally Financial : XXXX XX/XX/XXXX showing a surplus XXXX report with current report

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