Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
None selected Skip to content Using XXXX with screen readers in : draft 1 of 27 Ally Inbox XXXX, XXXX XX/XX/XXXX, XXXX ( 9 days ago ) to me Ally Financial was included in my XXXX  XXXX Bankruptcy. The value of collateral amount of {$9100.00} with an interest rate of 6.75 %. The total paid to Ally Financial through the XXXX  XXXX Bankruptcy was $ XXXX which includes interest in the amount of {$1000.00}. Ally Financial received payments through the trustee beginning XX/XX/XXXX through XX/XX/XXXX the last payment of the claimed amount for a total of {$9100.00}. 



On Monday, XX/XX/XXXX, I reached out to Ally Financial regarding the title to my vehicle as all claimed payments were made by the trustee including interest. At the time, I was told that they could not speak with me regarding the account as it was still in bankruptcy but the provided me with another phone number to call. On Tuesday, XX/XX/XXXX, I called the number given the previous day. I spoke with a representative ( after confirming the make, model and last 6 of my vin number, account number with Ally ) stated to me the vehicle title would be mailed out that week. 



After 2 weeks, I had not received my Title so I called again, without success. I was transferred to 3 different departments and still did not get any information regarding my title. 



After 4 years in the XXXX  XXXX, it was dismissed on XX/XX/XXXX, because we were unable to keep up with the payments due to job loss of both myself and my husband. 



On XX/XX/XXXX, in the early morning hour of approximately XXXX, my vehicle was repossessed by a recovery company hired by Ally Financial. After discovering my vehicle had been taken, I was provided with the recovery facilities phone number. I called said recovery facility and was told that they could not provide me with any information as they were waiting for Ally to contact them. In a letter received from Ally dated XX/XX/XXXX, ( received on XX/XX/XXXX, I completed the Affidavit of Defense to Creditor received with the letter. The Affidavit was mailed the same day it was completed. I received NO response from Ally Financial regarding the Affidavit. In the letter dated XX/XX/XXXX, I was given until XX/XX/XXXX, to pay the unpaid balance ( of which I had no clue about as I did not have access to the online account during the bankruptcy ) of {$7100.00} plus a retaking fee of {$7500.00}. This amount has skyrocketed to $ almost {$9000.00}, since this all began on XX/XX/XXXX. 



At the time of the Bankruptcy filing in XX/XX/XXXX, I had 13 months of payments remaining on the vehicle in question as I purchased it new in XXXX with a 72 month term or XX/XX/XXXX. At the time of the filing in XXXX, we were in the midst of COVID and job downgrade and were 2 months behind in payments on said vehicle. Since the repossession, Ive called Ally Financial weekly for a payment history. In the beginning I was told that they had no record of receiving any of the trustee payments. I was able to obtain a copy of payments, check number, dates and amounts of all payments made to Ally Financial. Ally only provided me with the last payments made through the trustee in XX/XX/XXXX nothing prior to that time. 



As of this writing, Ive called Ally Financial every week, written them notes within the Ally app under my account and still have not gotten an answer nor have I received the payment history of my account. I also have paid for a vehicle for the past 9 years that I dont have and coming out of bankruptcy, unable to get financed for another one. 



Im hoping there is some recourse for my situation as I no longer have a vehicle and Ally is still asking for {$8000.00} plus. I've paid $ XXXX over a 9 year period with nothing to show for it as I've not been contacted by Ally since the vehicle was repossessed. Its been 3 months now since the vehicle was taken by Ally Financial and I have loss job offers because I have no way of getting to an office due to my vehicle being repossessed after Ally Financial was paid. 



Best regards,

Company response to consumer: Closed with explanation