Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Dear XXXX, I am writing to you based on the recommendation of Ally customer service department regarding my credit rating and account with their company. I have been a loyal customer of Ally Financial Inc for many years, specifically since XX/XX/2020. Throughout our XXXX and XXXX business relationship, I have consistently adhered to the terms of our account agreement and fulfilled all payment obligations. I want to express my gratitude for the excellent service they have provided. 

To my surprise, I recently received an alert from my credit monitoring company informing me that I was 30 days late on a payment of {$290.00}, of which I had no prior knowledge. This oversight has had a significant negative impact on my credit rating, causing it to decrease by XXXX points. Recognizing the importance of our account, I immediately made the payment of {$290.00}. I sincerely apologize for this error and oversight, as it is not consistent with my impeccable payment history with their company. I have always made timely payments and fulfilled my obligations without any delays. 

The only plausible explanation I can think of for this mix-up is the transition period between the maturity of the previous XXXX and the extension of the current XXXX. However, regardless of any financial obligations that need to be met, I am committed to honoring them and continuing to make payments as agreed. 

I am truly grateful for the years of positive credit history I have built with their company. However, the recent late payment mark on my credit reports is causing me significant distress. I have plans to keep the vehicle and finance the remaining balance of the maturing lease with Ally 's institution, as well as to purchase a house. Unfortunately, this negative mark will adversely affect my chances of obtaining favorable rates and terms. 

This is where my " Goodwill Request '' becomes relevant. I am in desperate need of restoring my credit rating to its previous positive position prior to this oversight. I would greatly appreciate it if Ally could please complete a UDF ( XXXX XXXX XXXX ) and fax it to the credit bureaus as a " Goodwill Adjustment '' to have the XXXX late payment entry deleted and removed. Alternatively, you may send me the necessary correspondence, and I will personally forward it to the credit agencies to avoid any inconvenience to your company. It would also be helpful to have a copy of this correspondence for my records. Please let me know whichever option is most convenient for your company. 

The credit bureaus have informed me that they will act in accordance with your instructions, but they require written confirmation. I humbly request your assistance in this matter, taking into consideration my longstanding positive account history of XXXX  months with Ally financial company. Your attention and consideration will be greatly appreciated. 

Kind regards, XXXX XXXX and XXXX 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