Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. 
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. 
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. 
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation