Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have been in constant contact with ally financial, i made a partial payment in XXXX, but full payments every month since, i have been trying to catch up the other part of the payment which is roughly XXXX/XXXX to bring it current. 

I have requested for them to not call before XXXX as I am at work and it can get me in trouble and costs me my job, and they stated it was notated on my account to not call before XXXX. 

Monday  XX/XX/2020 Ally financial contacted me at XXXX XXXX  and when i spoke to them on monday  I again informed them that I am at work and can not talk and do not contact me before XXXX. The lady said it is notated in the account but they close at XXXX and i said fine then change it to XXXX but I am currently at work and I'm usually off between XXXX and XXXX and can't talk she continued to try to collect a payment from me after I informed her that I am at work and can not talk. she said she notated the account to not call before XXXX. 

I told her I will call them Thursday  XX/XX/XXXX in regards to the account and possible payment. 

Today is Thursday  XX/XX/XXXX and they called me at XXXX XXXX  I answered and told them I'm at work and asked why are you contacting me during this time I just spoke to you guys monday  telling you not to contact me before XXXX and that I will be giving you a call today after work. She hung up on. 

I called them back, after speaking to the team lead at work to take a moment to handle this and I proceeded to speak to another lady at ally financial complaining about this situation. She apologized and said she is notating it in the account, i said it's been notated in the account, it used to be XXXX, then monday  I said ok change it to XXXX because you guys close at XXXX, i requested to speak to a supervisor i spent the next 15 to 20 minutes on hold waiting for a supervisor. 

The supervisor finally gets on, his name is XXXX, very nice very professional and says its notated and apologizes again as well. All of this for XXXX????????? I pay XXXX a month for a car payment. 

My payment history isn't perfect but I pay the bill, this is the latest I've been with the bill and it's only a partial payment. they have threatened to repossess my vehicle by sending out a repo letter which I was able to get avoided by making my normal payment. The repo letter was because I'm XXXX behind, I have requested a rewrite in which I was informed that if i pay the XXXX they can rewrite my account to make my payments smaller. I was told this by the lady on monday  's call. XXXX, the supervisor informed me today that I have to pay XXXX plus XXXX for late charges before they can rewrite my contract to make the payments lower. I'm just trying to catch up on the bill and have been very forthcoming and very much in constant contact and communication with the company. Yet they keep calling during my work hours which i have asked them not to and they are telling me 2 different things.

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