Ally Financial Inc. Consumer Loan Complaint

Ally Financial Inc. Consumer Loan department,

Vehicle lease Managing the loan or lease Georgia

In regards to my closed, paid in full Ally Financial LEASE account. I contacted this company several times regarding an error that was placed on my credit reports. Initially, Ally Financial was reporting this account derogatory information on a account that was in excellent standings. When they corrected the retail account they inaccurately added information on my lease account. I contacted Ally and informed them of their error. This time they removed the lease account from credit report. Note : Ally removed the account not the credit bureaus. A - months later the negative account was added back to my credit reports. After seeing the significant drop in my FICO score, I submitting a " goodwill letter '' asking Ally that since my LEASE account been closed for years if I could be forgiven for the late payment. My request was denied. So I waited a year later and submitted another " goodwill letter '' and in addition, I spoke with an Ally Financial Representative and the derogatory account was removed from my - and - - reports. But not -. I waited 2 months and since it was still showing on -, I contacted Ally Financial. This time I


have to look more into the matter. - days later, my credit monitoring alert reported " derogatory account '' added. Once again my credit score took a significant drop for a late that was over - years ago. I contacted Ally and explained how - 's retaliatory action is impacting my credit score as a " new '' derogatory account. They continue to tell me someone would call me back. No one calls and/or answers my letters. I would like to know how is it that one Ally Representative granted the " goodwill '' request then another comes an reversed it. Not based off of something I DID WRONG to the account because by this time the account was closed and paid in full since -/-/-? To this very day, although, I have never been late on the new Ally retail account ( which is closed and paid in full since - - - and the old Ally late almost 4 years ago, I was denied a loan in - - and -/-/- due to a new derogatory account added in -/-/-. It should be noted that Ally Financial Lease account is the ONLY negative and/or derogatory account on my all credit reports. I contacted all three bureaus and they informed me to contact Ally. I contacted both lenders who denied me and they informed me that the old account is reading as " late payments within the last - months ''. I have the adverse action/ denial letters ( Denials received -/-/- and -/-/- ). It appears that when Ally re- added the - account they submitted as a new derogatory account. Instead of having an impact of a nearly - year old late payment I am being impacted as a recent late payment. Which is inaccurate. If Ally Financial is going to take back their " goodwill '' approval then the account should reflect and have the same impact as a - year old late not re-aged like a new late payment added in -/-/-. PLEASE NOTE : THE ALLY FINANCIAL LEASE ACCOUNT DOES SHOW LATE PAYMENT BACK IN -. HOWEVER, BOTH RECENT DENIAL LETTERS " LATE PAYMENTS WITHIN - MONTHS ''. I am requesting that Ally Financial immediately correct how this old lease account is sending a signal as a newly added derogatory account. If this account can not reflect and/or impact my credit report the same as a nearly - year old account should then the lease account should be removed completely. It should be noted that prior to -/-/-, I was approved for - credit cards with - and - credit balances. All loans and - no lates since -/-/-.