Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to an auto account with Ally Bank. This account has been reported as delinquent, charged-off and defaulted loan closed, which is inaccurate and unfair based on my efforts to resolve the balance in good faith.

________________________________________ Account Details Creditor : Ally Bank Account Number : can provide if contacted Balance : {$1900.00} Issue : Reported delinquent and closed without proper communication or notice ________________________________________ Explanation : I entered into a payment plan with Ally Bank to resolve a balance of {$1900.00} for my leased car. I was under the impression that everything was in order and that payments would be processed as agreed, since they honored the payments and took them out of my checking out three months in a row. 

However, I was never informed that the plan was not going through in month fourdue to an error on Ally Banks end, not mine. I did not change anything on my end, I was using auto pay out of my checking account and they have not been able to prove that anything changed in my account ( because it did not ). 
I did not receive a phone call or email informing me of any issue. I did receive one voicemail from a number that appeared unrelated to Ally Bank. The voicemail was choppy and difficult to understand, almost felt like a scam, but I was able to determine it was likely from Ally after listening to it numerous times. I returned the call immediately, only to be told that my account had already been sent to collections, and they could not tell me which collections agency had the account. Then, eventually, I was transferred to a collection agency via Ally, and my call was dropped so this felt like a scam, and I wasn't sure what had just happened. 

Later that month, my credit score had dropped by XXXX points to XXXX, and I contacted Ally Bank again. They again said the account had been sent to collections and that they could not provide the name of the collections company. To date, I have never received a single letter, phone call, or notice from any collections agency. After calling in to Ally Bank numerous times, they were able to connect me to the collections agency. I talked with the agency and paid what they asked for immediately. They said they would notify Ally Bank of my payment, and everything would be removed from my credit score. It has not been and I've been charged with two " charge-offs '' and one " Defaulted Loan '' all from Ally Bank XXXX XXXX, XXXX, and XX/XX/year>. 

This mishandling has resulted in a significant and damaging drop in my credit score, despite my proactive efforts to resolve the situation responsibly and in good faith. I'm asking Ally Bank to remove these negative marks from my credit score because, in good faith, I had a payment plan set up with them and then paid their collections agency immediately to try to resolve this unfortunate issue. Attached is my email confirming payment plan with Ally and my checking account bank ledger showing I paid their collections agency ( XXXX XXXX? ) {$990.00} that they asked for in XXXX. The collection agency also told me they would give me a receipt of my payment and they never did.

Company response to consumer: Closed with explanation