ALLY FINANCIAL INC.

2019-09-13

Lexington, KY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

Detroit, MI

Confusing or misleading advertising or marketing

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Chesney Shores, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

MI

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Los Angeles, CA

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Lithonia, GA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Macomb, MI

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-09-10

Aurora, IL

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Seneca, SC

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: on XX/XX/XXXX I attempted to transfer money from my account to a friend's account using XXXX and got notified that my XXXX profile was locked. I called on the morning of XX/XX/XXXX was told that it would be a short hold and at 40 minutes decided to take their option to leave a message for them to call back. Four hours later I still hadn't heard from them so I called back and was notified that the only way to get through was to wait on hold for 1.5 hours. I asked that they call me back. On the morning of XX/XX/XXXX I called back because I still hadn't heard from them. I was told that I would be connected in 12 minutes as soon as the office opened and get put on hold for a XXXX XXXX service line and nobody picked back up. I don't think there is any way to speak with Ally directly rather I get some proxy that is not capable of doing anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

San Jose, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: -Made payment western union byXXXX XXXX -Made payment XXXX checking account on XXXX XXXX.-Made final payment for XXXX on XXXX.Had a phone conversation with Ally in XXXX total due on vehicle was XXXX Now they claim. I owe over XXXX. I recieved a letterswith conflicting amounts XXXX payoff XXXX payoff. And last payment was made in XXXX they wont send me my title to my vehicle. My credit score went to XXXX to less than 500 in 4 months. They wont send me the recorded conversation we had in XXXX till I agree to be recorded again that I owe. Now they have sent it to asset collections. Payments were in good standing over a 6 year period. Now they are requesting additional money. All I want is my title and my credit fixed.Loan ended in XXXX of 2019. I thought I completed payment as of XXXX 2019. Tried to rectify in XXXXl will Ally final pay off was XXXX as of XXXX talked to representatives and made payment accordingly. Now there are additional charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Delaware, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

AZ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

Clermont, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Good afternoon after 2 months trying to reach a payment arrangement with ally finance which during that time every time I called nobody gave me an answer every person said something different and I explained that I had lost my job but did not want to lose car that they would give me some time they would say that if I could get some money they could make me the payment arrangement which I found difficult because I did not have money finally they lent me XXXX and I paid them for a stay for three months which today came a letter and They only gave me a month because in that call I was mistreated for not speaking English the person who attended me on XX/XX/2019 who made the payment arrangement told me that he will pay English classes and after I learned I made the payment arrangement I desperate I went out and I got a person who will translate me and make me repeat every word in English for me I was discriminated and now I only have one month to pay which were three m This is how I will not be able to lose the car now I ask where are the human rights I asked to speak with a boss and nobody passed the call simply because I am XXXX and spoke XXXX thanks for listening to me this started in XX/XX/2019 and it didn't end yet
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

Longmont, CO

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

Lewisville, TX

False statements or representation

Debt collection: Auto debt

Impersonated attorney, law enforcement, or government official
Complaint: They have contacted every family member, my ex-husbands family, my mothers boss, my mothers landlord and told all of them they are the XXXX County with a warrant out for my arrest. Problem is when I have contacted them and provided my updated info, its just a creditor Ally who is attempting to take me to court for a repo from 5 years ago. They already took me to court and lost, so they are getting even dirtier with their tactics now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

WI

Incorrect information on your report

Vehicle loan or lease: Loan

Old information reappears or never goes away
Complaint: Opened case a year ago. This has been on my credit report for over 11 years seriously effecting my credit. It should have been only 7 years to clear it off but yet is still reporting making everything cost more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-09-09

Gary, IN

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-08

Douglas, MI

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: Please see the attached document which is 4 pages long. The company did not process my disputes correctly. They processed them as unauthorized fraud. That is not correct. I disputed because the ATM DID NOT DISPENSE any funds in these transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-07

MI

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I purchased the vehicle while attending college back in 2011. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years and still attending college I lost my job and was unable to regularly maintain paying my car note. I contacted the creditor and informed them of my situation and they were unconcerned to say the least. I was threatened with late payment and repossession. At XXXXne point my vehicle was physically taken but never repossessed. I payed the owing balance then unknowingly I was credited a second time as if I received a new car when I received the vehicle back. I've disputed the multiple lates and multiple Ally account created due to the misreporting of information. I am hoping to have the closed account to be totally removed from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

Southern Pnes, NC

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: Between XX/XX/XXXX and XX/XX/XXXX, Ally bank/financial started receiving repeated harassing calls, pre recorded voice mail. XX/XX/XXXX I instructed Ally to stop calling my number, they have continued to call. Ally was also told in XXXX not to call my phone number. ally did acknowledge my request for a year. However they have started very annoying and harassing calls as stated earlier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

WV

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

Syringa, VA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

Marlboro, MD

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response