Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, FL ( XXXX ) XXXX XX/XX/XXXX *Ally missed XXXX Deadline > *SEE ATTACHMENT >> From : XXXX XXXX XXXX REALTOR ( XXXX ) XXXX Attn : Ally Financial - XXXX XXXX XXXX XXXX Pay Off Re : Ally Financial > Fraud & Negligence > Hello - Ally Financial, *Get Actual " Decision Maker '' to reply >> *Attachment ( 8 pgs. ) We bought our XXXX XXXX XXXX from XXXX XXXX, We financed {$12000.00} with Ally Financial > up to XX/XX/XXXX we paid {$7200.00} > leaving a Balance of {$5100.00}. 

However, we received a " Paid-in-Full '' Notice from Ally Financial > XX/XX/XXXX Loan Paid via Dealer - Completed - {$8600.00}. We accepted!! NOW : ALLY FINANCIAL > will not honor their " Paid-in-Full '' Notice. 

NOW : Ally says we owe them {$9000.00}!! CRAZY!! They are negligent + crooks. 
We have tried to " NEGOTATE a " FAIR OFFER '' with ALLY for over 4+ months!! 

ALLY has been doing the ALI " Rope-a-Dope '' by completely ignoring us!! 
and doing " ZERO '' for a Solution. Having low-level staff stall + neglect us!! 

We do not won't to sue Ally Financial but we are getting really close!! 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX *Ally missed XX/XX/XXXX Deadline > From : XXXX XXXX XXXX REALTOR ( XXXX ) XXXX Attn : Ally Financial - XXXX XXXX XXXX XXXX Pay Off Re : Ally Financial > Fraud & Negligence > Hello - Ally Financial, *Get Actual " Decision Maker '' to reply >> We have tried to " NEGOTATE a " FAIR OFFER '' with ALLY for over 4+ months!! 

XX/XX/XXXX + Everything STOPPED!! ALLY FINANCIAL ILLEGALLY WITHOUT OUR CONSENT ******************* XXXX  XXXX OFFER : *LOAN : {$5100.00} *INTEREST RATE : 4.54 % *TERM : 24 mo. * ALLY FINANCIAL : NEEDS TO MATCH XXXX  XXXX OFFER OR TRANSFER ALLY LOAN {$5100.00} to XXXX XXXX ASAP OR Option : Ally Financial offers a fair " Win//Win '' " CASH OUT OFFER {$5100.00} > Ac ****************************************************************************************** We paid Ally Financial * ( See Attachment ) NINE ( 9 ) {$500.00} Paynents > Four ( 4 ) {$500.00} Payment, which Ally " never recorded ''. 
Our Accountant said, " Ally Financial was definitely Negligent with our account ... '' We do not won't to sue Ally Financial but we will successfully!! 

ALLY has been doing the ALI " Rope-a-Dope '' by completely ignoring us!! 
and doing " ZERO '' for a solution. Having low-level staff stall + neglect us!! 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ****************************************** From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Re ; XXXX Pay off {$5100.00} or {$3500.00} Hello Ally Financial, XX/XX/XXXX : {$86000.00} > Ally Financial> paid off our> LOAN # : XXXX. 
Which we graciously accepted and had notarized. We actually have no loan. 
We had a " XXXX BALANCE ''. LOAN : {$12000.00} - XXXX Paid {$7200.00}. 

We + our Attorney intend to charge " Ally Financial '' with three distinct sets of violations - unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Act 's. 
Ally Financial - Loan Processors are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. 

Misrepresented how much we { XXXX } owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. 

Ally Financial increased XXXX XXXX  balances through a combination of human error, poor quality control, XXXX  errors, and faulty computer programming. 

We have been attempting for over 180 days to call Ally Financial with no results. 
NOW : you provide us with a Formal Pay Off Letter of {$5100.00} by XX/XX/XXXX. 

OR> be suing Ally Financial for {$55000.00}. Law Firm is representing on Contingency basis. 
Ally Financial will have to open up lots of " Records + Files ''. Plus, lots of bad publicity. 
Thank you, XXXX XXXX ************************* XX/XX/XXXX > Paid via Dealer > Completed >>> {$8600.00} XXXX 9 x {$500.00} Payments > - {$4500.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX - {$630.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX *Balance : {$3500.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX PAID : XX/XX/XXXX > PAID : XX/XX/XXXX PAID : XX/XX/XXXX XXXX 3 x {$210.00} Payments > PAID : XXXX XXXX PAID : XX/XX/XXXX > PAID : XX/XX/XXXX XXXX

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