Consumer complaint received 2026-03-09 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: LA

Complaint narrative:
My car was recently repossessed and I had an upcoming payment which was {$570.00}. I am late making the payment now I owe {$890.00}. A {$320.00} late fee. This company is evil and that is illegal. My name is XXXX XXXX and I am responding to Ally Financial response to my complaint dated XX/XX/year>. It is understandable that the higher ups ranking employees do not understand what goes on with their customers. I have lost XXXX job since I have had this vehicle at no fault of my own. I have made payment arrangements several times and when I could fulfill them I did. I have also tried to make payment arrangements when I did not have any kind of income which could not be made because in order to make arrangement you have to pay when making the arrangements. In all the years I have this car why would I wait until essentially the end of the loan to have it repossessed? I have children and I am a single mother just trying to make ends meet. Like I said before I have XXXX kids with XXXX that have many dr appts and therapies and the fact that this company never cares didnt surprise me at all. I understand that this company is a business but when at one point I had to spend {$8000.00} to get this car fixed and the mechanic shop ripped me off! Im sure your company doesnt care about that as well as I had to actually spend {$4500.00} to get it fixed correctly. So now I am in the process of suing the mechanic on top of me having my XXXX children. My youngest son has had XXXX major surgeries and has XXXX more again I know this company does not care but this is my life and my car is needed. So the person who responded to this complaint is named XXXX no last name just XXXX. How do I know this is from Ally? XXXX basically called me a liar telling me that the emails that was sent to me were not from Ally but from an Ally email address that has been sending me statement and sometimes notices but I am a liar? I have attached some of the screenshots of emails that I have received since I am such a liar! I had a payment due on XX/XX/year> the amount due was {$570.00}, but since it is late it is now {$890.00}! So I am being charged {$320.00} late fee? How is that legal? Now I see why there was a lawsuit against the company because of fees like this!!!! I am sure the CEO, XXXX XXXX knows nothing about these kind of things but I am sure he will find this out. I will be sending him this letter and all my evidence. I do not think he know how this company treat its customers. Last thing I want to address, on the portal for companies like this there should be all documents in the portal so that I can see what was sent. If things are not sent certified there is not way to know if the customer has gotten the notice so it is best that the notices as well as other documents are uploaded but the excuse XXXX gave was it is for bills and payments. So why Is there a tab that says notices? Why is there only one notice in my box? Wha tis the point of having this if this company is not doing their job to provide the customer with everything that they need. Thank you for your time. I will continue to make this complaint until something changes with this company! If nothing changes, I will have my lawyer respond. She has already been looking into everything that has been said and has found many unlawful practices this company has done. Cc : XXXX XXXX, CEO

Company response to consumer: Closed with explanation