Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Consumer : XXXX XXXX Creditor : Ally Financial ( Auto Loan # XXXX ) Date : XX/XX/XXXX Introduction I am submitting this rebuttal in response to Ally Financials reply dated XX/XX/XXXX. Allys response mischaracterizes the issues with my loan and fails to address documented discrepancies. Below I present evidence showing systemic misrepresentation in Allys loan management, account reporting, and credit furnishing. 
I. Balance Misreporting - XX/XX/XXXX Statement {$18000.00} balance. 
- XX/XX/XXXX Ally Portal {$16000.00} balance. 
- XX/XX/XXXXXXXX XXXX  Report {$18000.00} balance. 
Variance : Over {$1200.00} for the same account in overlapping periods. Allys own sources ( statements, portal, bureau ) conflict directly. 
II. Late Fee Overcharging Ally admits I was granted 300 days of extensions. Despite this, late fees were applied almost monthly : - XX/XX/XXXX Notice {$940.00} past due including late charges. 
- XX/XX/XXXX Notice {$1400.00} past due including late charges, during extension. 
- XX/XX/XXXX Statement {$640.00} in finance/late charges. 
Extensions should suspend penalties, not generate additional late fees. 
III. Predatory Add-On Financing Add-ons ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) were financed at 22.19 % APR. Ally confirmed : - XXXX XXXX XXXX non-cancellable. 
- XXXX XXXX XXXX XXXX XXXX no refund. 
- Service Contract partial refund of {$180.00}. 
These add-ons compounded interest charges over years, yet provided no consumer value. 
IV. Credit Reporting Inaccuracies Allys XX/XX/XXXX XXXX report shows : - Only 48 %  of payments marked on-time. 
- 26 30-day, 7 60-day, 1 90-day late marks.

This contradicts Allys own payment histories, which show dozens of payments received. Some late marks were added during extension periods, making them factually inaccurate.

V. Extension Abuse ( Interest Masked as Relief ) Extensions were presented as assistance but functioned as mechanisms for increased interest accrual : - Finance charges accrued daily even during extensions. 
- Balances grew instead of stabilizing. 
- Late fees continued despite hardship deferrals. 
Example : XX/XX/XXXX Statement {$330.00} in finance charges despite recent extensions ; XX/XX/XXXX XXXXtatement {$410.00} in finance charges. 
VI. Side-by-Side Evidence Summary ( XXXX ) Year Ally Statements/ Portal Credit Bureau ( XXXX ) Evidence of Misrepresentation XXXX Loan originated at {$21000.00} ; $ XXXX. Correctly reported. No initial issue. 
XXXX Notices show {$940.00} past due with late fees. XXXX  day lates posted. Late marks despite payments + excessive late charges. 
XXXX Extensions granted but late charges applied. 4 30-day, 4 60-day lates. Extensions should not have triggered late marks. 
XXXX Balances ranged {$18000.00} {$18000.00}. Multiple XXXX day lates. Conflicting balances + false delinquency. 
XXXX XXXX stmt : {$18000.00} ; XXXX stmt : {$18000.00}. XXXX XXXX {$18000.00}. Variance > {$1200.00} in balances. 
XXXX XXXX : {$16000.00} ; Stmts : {$17000.00} {$18000.00}. XXXX XXXX {$18000.00} ; 48 % on-time history. XXXX conflicting sources + false late marks. 
XXXX. Requested Remedies XXXX. Provide full reconciliation of all payments since XX/XX/XXXX. 
2. Remove or reverse late fees improperly charged.

3. Correct bureau reporting to reflect accurate payment history.

4. Recalculate payoff balance excluding improper finance charges.

5. Refund finance charges tied to canceled/expired add-ons.

Conclusion The evidence shows Ally engaged in : - Balance misreporting across statements, portal, and bureaus.

- Improper late fee practices during extensions.

- Predatory financing of add-ons at 22.19 % APR.

- False and damaging credit reporting.

- Extension abuse that increased consumer debt.

These misrepresentations have directly harmed my financial standing, prevented refinancing, and prolonged my debt. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation