Ally Financial Inc. Consumer Loan Complaint

Ally Financial Inc. Consumer Loan department,

Vehicle loan Managing the loan or lease Florida

I purchased a Truck from - - - in - - ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for $800.00 you would be a little wary. Calling - - various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent $250.00 to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid -/-/2016 $310.00 Outside Bill Pay $98.00 $0.00 $0.00 $410.00 -/-/2016 $280.00 Outside Bill Pay $120.00 $0.00 $0.00 $410.00 -/-/2016 $360.00 Outside Bill Pay $48.00 $0.00 $0.00 $410.00 -/-/2016 $490.00 Online payment $67.00 $0.00 $0.00 $560.00 -/-/2016 $0.00 Outside Bill Pay $250.00 $0.00 $0.00 $250.00 Their Finance Charges as you can see change daily!?


I looked into refinancing, thinking please - - save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through - - was I was dealing with - - for a loan ( my own bank ). I called on -/-/-16 and talked with - asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' - forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.