Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
This is an addendum to CFPB complaint XXXX to make it short and sweet for everyone. 

I feel really harmed by Ally, despite a long standing relationship of being a good debtor, over several leases. Ally short saled my minivan for much less than what it was worth & I spent well over 50 hours of my life figuring out a toll bill for that lease which was fined several XXXX dollars for non payment, because the bill was not sent to me timely by Ally -- LITERALLY 90- DAYS LATER & then I lost the original document. 

Ally offered me no help, instead, Ally 's Toll Division gave me a multi bill with the info of their customers on it, including their license plates, date and time they went through the toll, and toll violations ; & I truly don't feel I should have had access to this data -- but did nothing to help me pay the bill or contact XXXX XXXX XXXX, not to mention the data on the multi-bill does not interface with the XXXX XXXX XXXXXXXX XXXX payment system. 

Ally blamed the XXXX XXXXXXXX and XXXX XXXX for the missing data on the multi-bill and the payment that was sent in to XXXX XXXX, was applied to the Ally account for all leases that had XXXX XXXX XXXX Pass toll violations, not my specific account for the toll, and this was a direct result of Ally sending me this multi-bill. When XXXX got it, even though I highlighted my toll, the XXXX money orders, were credited to the Ally lease account for XXXX XXXX XXXX XXXXXXXX, overall, for all lease tolls under Ally / XXXX XXXX XXXX 

I can't do anything about any of that. I lost XXXX hours of my life and Ally tacked on the excess mileage I had driven, totaling about $ XXXX as I recall. My thought was the vehicle would sell for much more which would " eat '' the excess mileage fee. After all, I had it completely detailed, 4 new tires, new brakes in the front, new radiator, new AC condenser with " O-Rings '' and newly charging the AC. The van had a breakdown at XXXX miles and it was a massive breakdown, despite changing the oil regularly. 

Ally offered me a settlement on the charges. I agreed. In paying the settlement, ~ {$2700.00} of about {$5000.00} in charges, Ally failed to tell me the damage this would do to my credit, or the fact IT'S ON MY CREDIT REPORT UNTIL XXXX!!! AND HAS DESTROYED MY CREDIT, DROPPING ME OVER XXXX POINTS. 

All I want is simple. Two small things. I want Ally to tell me that the remainder was of the settlement that was owed. I think it's {$2300.00} or something like that. I then want specific instructions on how to pay it with a mailing address so Ally will then change this on my credit report & my creditors will remove it. My wife got XXXXXXXX XXXX XXXX, almost died. XXXXXXXX XXXX XXXX XXXX XXXX. They removed XXXXXXXX XXXX XXXX XXXX XXXX, and another XXXX XXXX XXXX XXXX XXXX so of course, I'm going to take the settlement to save money, the treatments and back and forth to the XXXX  XXXX  us so badly financially back then. I thought we would never recover. She was XXXX and the doctor gave her XXXX months to live if he couldn't get all of the XXXX. It really hurt us, especially since we had XXXX XXXX  children at the time. And. Ally knows that I have given them of over $ XXXX in leasing payments, thousands of dollars.... the least.... they can do ... is take my money. XXXX the XXXXXXXX XXXX XXXX XXXX compel their hand in grace.

Company response to consumer: Closed with explanation