Date of Report typed July 28th 2011 uploaded on Rip off Report on August 1, 2011
Some dates may be a little off had to write this quick to be documented. Long Report but very important. Ally bank needs to be stopped!!!. Sorry for grammar.
In August of 2009 bought Chevrolet Aveo 2009 from Liberty Chevrolet of Villa Rica GA. for 9,500.00 / 4,000 miles pre-owned.
Payment of 277.62 a month.
Throughout 6 months of ownership car was in the dealerships shop for many different reasons 10 times total. 6 rentals at the dealerships expense. During this time already had a brand new set of tires on car as well.( Would buy another set of tires at 600.00 in 4 months then another set a week before repo.)
During all this time went to 6 different dealerships even the one I bought the car from to trade the Aveo in because it had more problems then it was worth, offer 2500.00 down plus trade in, every dealership said no I had to have at least 5,000.00 down, because I would be upside down in a new car.
Every payment made except for 2 payments throughout the years was 300.00 the other two were the 277.62 have documents showing. I had a grace period till the 17th of each month.
Jan. 2011 payment of 300.00/ 23 dollars and some change extra toward payment
Feb. 2011 payment of 300.00/23 dollars and some change extra toward payment
March 2011 payment of 300.00/23 dollars and some change extra toward payment
Also called in March and stated that i had recieved a letter stating I was going to loose my job in April but I already had another job set up in May. Asked Ally representative to put my April payments and May payments behind my loan because I could not pay it. She stated I was not eligible for that but she could extend my payments (deferment) and the first payment for April 10th would be 160.00 and then May 10th 160.00.
I called in the beginning of April because I new I could not make the 160.00 payment. She stated if I could not make that payment I would be sent to collections and I would forfeit the agreement of 160.00 therefore I would owe the full amount of 277.62 for April and May plus whatever late fee.
Throughout the month of April spoke to many different Ally representatives to get help after the 10th they would then state that they could start moving my May payment behind my loan but I had to pay the late April payment. I did not have 277.62 to pay for April or May( also I would get 4 phone calls from them daily on home phone and cell phone) I spoke to them almost daily trying to work something out but they would not help me.
June 6 made 300.00 got on Allys website to post on my account, website stated it was down and couldnt process my payment. I tried 4 times, have proof of this!!!
June 7th the follow morning Allys website was up, was able to post payment. After this payment all phone calls stopped. I figured this made them happy.
June 10th called told Ally representative that I would make a 600.00 payment later on in the month of July but before August. She said if I did not have the payment in before the 17th which is my grace period that It would still be sent over to collections.
July 22nd attempted again on internet this time attempt was 6 times even made a complaint on their website. Called Ally could not get in touch with anyone it was 6:40pm got a message stating hours of operation 7am to 7pm Monday thru Friday 9 to 5 on Sat. and closed on Sunday. Even though it states they are open 24hours.
Got on the automated line it stated that my next payment was due 8/11 for 241.36 I even have a bill stating that as well.
July 25th at 6:30 pm my car was repressed. During the time the repo man was hooking up my car who said he would tell them It was a voluntary repossession if I handed over the keys. I called Ally again I got the message of hours of operation, I just started mashing numbers to get through got In touch with a human begin at JP Chase and Morgan bank said she could not do anything I would have to get in touch with Ally.
July 26th 7:01 am called Allyreceived message of hours of operation. 888-925-2559
July 26th 7:20 am ---received message of hours of operation.
July 26th 7:38 am--- finally got in touch with a man name Roily or however you pronounce it. Asked him why I could not get thru to anyone if they opened at 7am, he huffed and hung up on me.
July 26th 7:39am called Ally back somehow I got wonderful Roily back and I asked him why he hung up on me. He hung up on me again.
July 26th 7:40am called asked for Manager. Managers name is Jusus, pronounced Jesus in English language. Told him Roily hung up on me and I would like to make a complaint, of course nothing happened. Then I told him my car was repoed but I had made a payment in June and was going to make another payment and who would I speak too. He looked up my account and said Oh repression was too early. Then he asked me if I received a letter. No I receive no letters from Ally just my next bill. He said that the letter was sent out the day of Repression and I should have received that first. He said he could not handle my account that I would have to speak with, his exact words.Work out payment Department. I asked him if that was the correct name and what was the number to call. He stated that Work-out payment Department was the correct name and that they did not have direct line that I would have to call Ally back at 8am when the Work-out payment department opened and get transferred.
July 26th 8:05am called Ally asked them to transfer me to the Work out payment Department, they had no idea what I was talking about. I ask for Jusus they said he was busy so I had to tell my story over to the girl and then she transferred me and said that the number was 877-341-7555 (1740) His name is Bob and he is my Account Manager.
Transferred over to Bob.
Spoke to rude Bob he acted like he had no time for me. He said he had been trying to get in contact with me for two weeks and never received a call from me. I did tell him he was a liar because I keep in constant contact with Ally and what number did he have? He said he only had one number. I knew that was a lie they always called me on both lines and Ally has always left messages so I know he never tried to call me. He said he also tried calling Relatives to get in contact with me and so on Friday the 22nd he sent out an order to repo and it was out of his hands I would have to contact. Dallas Redemption Services in Texas 877-845-8862 which was an office below him but they dont open till 9am and even then I would have to what 24 hours after my repo because the work takes so long to process.
July 26th 9am I called Dallas Redemption Services Ronda told me to call back a 10am they didnt have my file. 10am I called again said for me to call back at 11am. 11am called (by this time they could keep that pos aveo!!!!!) Finally at 11am she said that it would not be until 2pm when the repo company sends over my file then I will know where my car is and how much it would be to get back.
July 26th 2pm I called back Car was reposed by United Auto Recovery and I owed 1,318.00 and some change.
July 26th 2:30 pm I called Bob back and asked him why I owed so much and why was it repoed when I made a payment last month? He stated my June payment was applied to the April payment that was missed and the extra was applied to May payment. Which left 241.00 owed for May, June was 277.62 and July was 277.62 and since he had not heard from me he sent out the order. ( these numbers do not add up I paid extra in Jan, Feb, and March) which means I owe less. By July I should have owed 595.48 that is with the late fees.)
I told him since March 10th I have called and spoke to many representatives of Ally and I had and extension in March for April and May.
He then told me to hold on he would look into the March file, Then he said and I quote, If I had looked in the March notes of your file your car would never have been repossessed. I then asked him what in the hell his job was then if he was account manager and he was to manage my account. He stated and I quote again My job is to collect money, not to make phone calls and most certainty not to leave message to people who do not call back, however, in order for the bills to be paid I have to make contact and have some sort of communication, and that is what we did not have. Also Bob stated before he hung up on me. I do not know how much slower I can explain this too you and it does not matter you were late, you car is repoed and it is out of my hands.
July 31st received two letters of repossession from Ally with a certified date of 07/27/2011. With amount 1,242.36 stating if I paid this I could get my car back on 08/11/2011.
Past due payments of (1. 241.36 and 2. 277.62 ) 796.60
Late charges 95.76
Expenses 350.00 350.00
Also on my credit report they stated I was late on March note and June note the two months I paid!!!!!
None of the amounts are correct and I can not reach anyone at Ally to tell me how the amounts have added up to this amount. Why one letter states this and another that. I dont want the car back now it to much of a hassle this is the first time in my life I have had anything taken from me, I tried so hard to keep it, all I wanted was explanations and I got put down. Now I know how others feel. Also to add on the bill it states i still owe 9,755.59 when i bought the car for 9,500.00? im sure this amount is wrong as well since all the other figures do not add up.