Consumer complaint received 2026-05-04 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: MI

Complaint narrative:
My fiance XXXX XXXX bought me a vehicle in XX/XX/XXXX because they couldn't approve me on it and we got a loan for XXXX XXXX XXXX and it was financed through ally. I NEVER made a late payment, they were always early and I have proof because I paid out of my bank account. Long story shoet I was in an accident XX/XX/XXXX and totaled vehicle. I was taken by ambulance bc I had to cut out of my vehicle from being crushed. My XXXX somehow got jammed under pedal and snapped then when being thrown around my XXXX and XXXX were crushed and then Got cut out of vehicle by fire department taken straight to ER for XXXX, XXXX XXXX, and XXXX XXXX. I fractured my XXXX and then XXXX XXXX XXXX and was taken off work for months. My job fired me and I've been unemployed right after I financed a new car so I have to pay that now and have no job. Anyways I went through reporting accident with XXXX and they determined it was a total loss and paid over {$7000.00} to Ally then Ally sent my info to XXXX. On XX/XX/XXXX XXXX and i received a copy of the title from progressive that Ally sent them free and clear with release from the lien holder Ally. I was told by Ally in XXXX that they were waiting for XXXX payment and I no longer owed anything further. Suddenly XXXX gets a letter stating we owe {$3600.00} still because of the late payments and 10 months of payments unpaid. I flipped out because even on ally website I have no late fees and I only put 4 payments on the back of the books. XXXX said the payment detail they received does not show anything like that and that's why they didn't pay. I told them I had proof of all payments and they said I had to fix it through ally. I went through every payment on Ally and found that starting the very first month I had the car they took and applied my full EARLY payment to do 100 % interest no principle which is against contract terms. Upon further investigation this has happened 15 plus times so it looks like I never made payments any of those months. I spoke to XXXX and told them and they said to tell Ally they must correct the issue and sent a real payment history so they can correct payment. Ally is trying to charge me {$5.00} a day every day the {$3600.00} goes without being paid! The biggest issue is why was the title released full and clear months ago now they're trying to collect money from us fraudulently. I have investigated and found this is a common thing that hundreds of consumers have too experienced with Ally. They're trying to force us to pay 10 more payments of {$420.00} when I already have my own car payment to pay because everything was cleared. This is not right I am broke, going to need XXXX and off another 3 plus months and have no way to just pay XXXX for a car that should have been paid by XXXX and they had ally applied my payments CORRECTLY I wouldn't owe anything. I'm begging for your help

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