Consumer complaint received 2024-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My vehicle was a TOTAL LOSS, my insurance Company paid the Value of the vehicle, I got on ALLYs app that I always use to pay my bill with them. I paid off the balance, and when I did it put up a prompt something to the effect of ( are you paying off your vehicle ) which I answered yes and I paid it off. On my ALLY APP HOME SCREEN it showed my Payment Amount for my other vehicle with ALLY, and the loan I paid off the APP was telling me I had a XXXX balance. Then approximately 45 days later my fraud protection went off and it said I missed a payment on a vehicle I paid off in full. So they said I still owed them like a couple meaning literally a couple dollars then they added a late charge to it and hit me for approximately {$26.00} for the balance and the late.fee. I paid them what their junk app said to pay them, why would I pay them the whole balance due and not pay {$2.00}. I. Called them immediately trying to get their mess fixed to no avail. It was about a {$600.00} a month loan that I had never been late on and paid off the balance due plus my other ALLY loan for {$1400.00} has never been late.it make no sense that ai would XXXX over my credit by not paying {$2.00}. So then they asked what I wanted to do about it and I told them I want to pay it even though I dont owe it because I didnt want their XXXX up to turn it to them reporting me as XXXX late too. Then to top it off they still screwed up my account payoff the second time because when XXXX paid their {$26.00} extortion to make it stop screwing up my credit they sent me a check for XXXXXXXX XXXX Yes I got a check from ALLY for XXXX CENTS! It has made me so mad I have a {$59000.00} balance on my other vehicle that XX/XX/XXXX I will get a payoff demand in writing on my other loan and wire transfer the payoff for my other vehicle and close my account with ALLY! Their junk app sucked almost XXXX points out of my credit scores with all three Credit Reporting Bureaus into the high XXXX to low XXXX. I have called and called and wasted not only hours trying to get ALLY inept offshore CUSTOMER Dis-SERVICE DEPARTMENT to try to fix this and have got absolutely nowhere with them I would be more than happy for you to publish this complaint. After XX/XX/XXXX ALLY will never make another dime off me and if it sways someone else from making the same mistake I did and thats even doing business with ALLY then that would be great. And BTW Im not going to cash that XXXX XXXX Check they sent me back Im just going POST a photo of that XXXX XXXX  CHECK they sent me back and SLAM ALLY on all my Social Media Accounts to no end! Theyll wish they would have fixed their XXXX up they obviously dont care about losing me as a customer, I just hope I can sway others not to make the mistake of doing business with ALLY!

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