Ally Financial Inc. Consumer Loan Complaint

Ally Financial Inc. Consumer Loan department,

Vehicle lease Taking out the loan or lease Florida

My name is - - -, current address : - - - - - -, -, Fl -. I am filling a complaint for the past due dates reported to the Credit Bureaus from Ally Bank on account # -. My credit score went from - ( checked on -/-/- ) to - ( checked on -/-/- ). This negative reports from Ally is unfair and done in error. I will explain to you what happened : I first went to this dealer ( - ) on -/-/- and I leased a - Buick Enclave for 39 months with Ally Financial as the bank. My lease was about to expire and I visited the dealership on -/-/- for a buy-out. I had a last payment of $350.00 towards my lease due on -/-/- but at the dealership they said that I did not have to make that last payment because it was going to be included in the new financed amount. We closed the deal and I got my new loan with Ally Financial as well. A few days later ( -/-/- or so ) I got an e-mail from Ally Financial regarding my last payment towards the lease (


collect the last payment on the lease ( -/-/- deal ), I explained to them that I went to the dealership for a buy-out on -/-/- and that I did make that last payment because I was advised by them that amount was going to be included in the new deal. I then called the Finance Manager - again and explained to him what was going on. The calls kept coming and I went to the dealership again on -/-/- and spoke with the Dealership Manager ( - - ) and explained to him what was going on. He said that the Finance Manager - was not there and referred me to Finance Manager - - who promised to pulled my file and give me an update Monday or Tuesday next week. I spoke with Finance Manager - on Tuesday and he said that by pulling my file he noticed that there was something that needed to be fixed on their end, that he was going out of town but Finance Manager - was going to take care of it next day. On -/-/- I checked my credit reports online and Ally Financial did report me. I then e-mailed Finance Manager - on -/-/- with the report copies and asked him to help me and as of today he never answered my e-mail. On -/-/- I called Finance Manager - and he said that if they were going to pay for that last lease payment that he needed to see a bill. I sent him said bill ( late fees included ) via fax to - as he told me to do. It was not until someone at Ally Bank started contacting the dealership that this problem got solved ( by the end of - - ). They were able to finally collect that last payment from the dealership ( since they never included same in the new financed amount when the buy-out was processed ) but my credit got hurt in the process. While they were trying to collect this last payment from the dealership, they kept reporting my account to the credit bureaus as past due. I contacted Ally to try to solve this but they said than they had to report me to the Credit Bureaus because even though the payment was not suppose to come from me since the dealer 's finance department made a mistake at the time the new loan was created, I was the one liable for the account. I want Ally to correct the information reported to the Credit Bureaus and also, if possible, send notices of corrections made to my credit report to anyone who received it in the last six months including myself. I care very much about my credit and has always fulfill the debt obligations I have gotten into.