Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I was referred here by the XXXX. 

Bought a car in XX/XX/XXXX. Immediately had the due date changed from XXXX to XXXX with a 7 day grace period. So as long as payment was made by XXXX not late-example. I filed for bankruptcy in XX/XX/XXXX and admit that several payments were missed or late. In XXXX they offered extensions due to XXXX. In XXXX of XXXX got a notice they were taking me to court for the missed payments ( all of them iincluding any late/finance fees ) made the payment of XXXX plus and that brought me completely up to date. Paid for all months missed including the extension. I then had to make a payment for XXXX plus for court costs. A couple months later I logged in and it was stating I missed a payment. Called them several times and it took 6 months for them to fix it and it had to do with how they applied the payment for XXXX plus ( court costs ) Not sure if they also fixed any late fees applied due to the error. In XXXX of XXXX online stated I had 8 payments left which would bring me to XX/XX/XXXX and that would have been correct. In XXXX the payments flipped to XXXX and I started looking into it. XX/XX/XXXX I called them and they stated 4 more payments.made a payment and it read 3 more payments one pending. Waited a couple weeks and online flipped back to XXXX called numerous times. XXXX people I spoke to in the last several months understood what I was saying but Couldn't help me. Made another payment in XXXX and the number still said XXXX payments remaining. Filed a complaint XX/XX/XXXX with XXXX. Got nowhere. These are the questions I have..if my balance is XXXX as of today how is that 5 payments when the payments are XXXX? How did it go from 4 to 5 payments? Where did the XXXX I paid in XX/XX/XXXX get applied? Today I was advised that XXXX late payments were applied to my account in XXXX and XXXX of XXXX. This person saw something was not right and attempted to transfer me to the research department which brought me back to collections and the second person claims they couldn't see what the first person saw. I am a biller and a collections person and know what an audit is. I have done an audit and nothing is matching. It is not a coincidence that my balance owed is coming up to pretty much the same numbers I paid back in XX/XX/XXXX. I have counted my payments on my own and with a couple of their people. There is 75 payments made which is the contract term. I also got an email from them talking about repossession. For a car that is paid for? I have gone over this multiple times and it's not adding up. I truly believe that both the payments I made back in XX/XX/XXXX were not applied correctly and late fees/interest continued to be charged also. I also looked at a paper statement I got and it states the balance owed which is XXXX does not include finance charges. So again I stress how does 5 payments equal XXXX at XXXX each? If you add up the big payment of XXXX plus the XXXX plus ( court costs ) there is the XXXX.

Company response to consumer: Closed with explanation