Ally Financial Inc. Consumer Loan Complaint

Ally Financial Inc. Consumer Loan department,

Vehicle lease Managing the loan or lease Delaware

In - of 2015, I ( my son ) returned a Buick Enclave that i had leased in -, Delaware at - - -. Ally Financial was the banking organization utilized by the Dealership. The lease had expired in - 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared


I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. The basis for the outstanding payment charge varied with respect to whom I spoke. - claimed that the charge was for - despite the car being returned in -. The cost of the repair however, appeared to be open for discussion on their part-but not mine! All remained quiet until this - when correspondence started to appear demanding the $780.00, with the standard threats of notification of the - credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. Finally, ALL Ally personnel refuse to discuss the issue with the - - - for reasons they will not reveal. It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and - - - agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim