ALLY FINANCIAL INC.

2019-10-11

Westland, MI

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

2019-10-10

Lyman, VT

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

2019-10-09

Allison Park, PA

Incorrect information on your report

Vehicle loan or lease: Lease

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

2019-10-09

Shoals, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ALLY FINANCIAL {$8700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Russell, IA

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-10-09

Bar Nunn, WY

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Cincinnati, OH

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

Laurence, KS

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-08

Lafayette Hl, PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Due to being laid off XX/XX/XXXX of 2018, i was living off a fixed income and scrambling to look for work. A job i was offered in XXXX was cancelled due to the government shutdown and by XXXX i was looking for relief and waiting on unemployment. I spoke to Ally financial about my circumstances and voluntarily returned the work vehicle i also had financed with Ally financial to alleviate some of it. I notified them of my intent to keep my XXXX XXXX XXXX financed with them, as it was my daily driver. After falling behind, i attempted to cobble together enough to refinance my loan with a credit union but was denied due to layoff and no co-signer. Ally Financial offered no payment reduction option, no relief for someone effected by the government shutdown, and no aide to a veteran on a now fixed income after layoff and collecting unemployment. They took my vehicle first on XX/XX/XXXX and i willingly paid the tow fee and didnt notice what the tow company employees had stolen from the truck right away in the first instance ( a multi tool, pocket knife, first aid kit, work radio ) A police report was filed. They gave me a penalty interest rate of 9 % and demanded payment in full for my outstanding balance of {$20000.00}, as they were responding to my stating i was looking to refinance. I could not attain on a loan on my own short notice and with no family able to help. I found a pair of part time jobs, made a few payments as i could, and made a payment arrangement for the outstanding balance in full on Friday XX/XX/XXXX. The night of Thursday XX/XX/XXXX my vehicle was repossessed at XXXX with my work tools, a book bag with textbooks, and my passport. My vehicle was taken from my girlfriends apartment near my job in to another state the day before they could count me current. They still took their payment. Many items in my vehicle were missing when i was able to track my vehicle down to the same towing company an hour outside of XXXX in XXXX New Jersey. I remanded the vehicle and retrieved was was left of my possessions minus my passport which was missing. The vehicle was subsequently sold at auction for exactly {$7000.00} leaving me with a balance of {$13000.00} which has already been sold to XXXX for collections in less than 3 months. The exact same vehicle with the same number of miles still regularly sells for over {$20000.00} at dozens of dealers and in private sale everywhere within my tristate area. They failed their customer, took a big chunk of the money i had set to pay them in their towing and losses to tow company thefts with no apology or correction, failed to sell for a fair market value by accepting less than 33 % of the true value of a vehicle renowned for its resale, failed to communicate with me anything in writing though i requested it from every caller and receive all other mail without issue, had different people called incessantly with no regard to my work or school hours, and have now saddled me with a debt that essentially leaves me facing bankruptcy though I paid for 2+ years without issue and am now stuck renting instead of owning a home i was working towards. They never even told me my vehicle would be up for auction or I would have purchased it back for the same $ 7k. Please help. My situation feels discriminatory as Im XXXX and a XXXX veteran. How can I protect others from towing company repossession abuse and Ally financials usury of working class people?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

Bellaire, TX

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 have been calling and complaining about 6 inquiries on my credit report that XXXX is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

Bradenton, FL

Managing an account

Checking or savings account: Checking account

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

2019-10-07

Key Biscayne, FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I disputed an account with Ally Financial previously which was investigated by Ally Financial. Ally Financial DELETED the account on the XXXX credit report and the XXXX credit report but DID NOT DELETE the account from the XXXX credit report. I again disputed the account with Ally Financial to delete the account from my XXXX credit report but they just verified the account even though Ally Financial deleted the account from the other two credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-06

AL

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Complaint: The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so 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

2019-10-06

Woodstock, GA

Incorrect information on your report

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

Account information incorrect
Complaint: In re : XXXX : Misreporting XXXX XXXX account balance. Current balance is {$0.00}. Misreporting XXXX account balance. Current balance is {$0.00}. Misreporting XXXX account balance. Account balance is {$0.00}. Misreporting Ally Financial payment history and indicating 30 days past due. The account has never been past due. The automobile referenced by this loan is a XXXX XXXX XXXX purchased by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX. Seller presented the automobile as a dealer buy back becasue the engine and transmission were replaced. Dealer presented ( on information and belief ) a fake XXXX Report to induce the sale. Dealer finance manager conspired with an Ally lending manager to obtain financing for a {$33000.00} loan with a @ {$2500.00} deposit at 8.69 % loan rate. FICO at the time was XXXX. Purchaser was later presented a dealer opportunity trade on a current model vehicle with the trade-in offer exceeding the purchase price from XXXX XXXX XXXX XXXX. Upon presenting the vehicle for trade, the VIN was checked and the dealer informed the purchaser " that vehicle can not be taken in on trade '' due to the compromised title. At the time of purchase, XXXX XXXX XXXX XXXX, knew and/or should have known the diminished value of the vehicle was in excess of {$20000.00}. On information and beleif, Ally Financial, in conjunction with XXXX XXXX XXXX XXXX conspired to defraud the purchaser, to the financial benefit of Ally Financial and XXXX XXXX XXXX XXXX. On information and belief, the Georgia Attorney General opened an investigation on the dealership, but should open one on Ally Financial. XXXX is also reporting incorrect public information in re : XXXX and XXXX XXXX ( XXXX XXXX University ). I graduated from XXXX XXXX University XX/XX/XXXX. XXXX XX/XX/XXXX, I took a new XXXX position in which my XXXX school credentials and transcripts were requested. I made notice to XXXX XXXX University to find my account had been frozen. I called XXXX XXXX University to determine the issue and was at that time, nearly 4 years after graduating, was notified by XXXX XXXX University that there was an outstanding bill due. I inquired as to the basis of the bill and the account manager advised she would have to call me back after researching. After a number of calls back and forth, the University admitted the alleged debt was based upon a class withdrawal. I was able to provide all timely withdrawal forms, but was told they were irrelevant because the University went off the date they withdrawal was processed. I asked why I had not been contacted in the nearly 4 years prior and was told they could not explain that. I advised the University I was not going to be extorted and would file a complaint, however, due to the necessity to have the document for my HR department, I paid the amount. After I paid XXXX XXXX University the amount they stated was due, they still refused to clear my account and issue my transcripts. Again, I called the University and spoke to an account manager who advised me that I would have to call XXXX and XXXX to pay their fee. Again, the University extorted funds from me by holding my transcripts hostage. As a direct result, the negative public information was posted on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-06

Rncho Domingz, CA

Incorrect information on your report

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

Account information incorrect
Complaint: I have never paid this account late. ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Philatelic Center, CA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! I emailed Ally through the website the following morning and have received no response. It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.
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

2019-10-04

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

2019-10-04

Westfield, NY

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

2019-10-04

Panama City, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Lohman, MO

Managing an account

Checking or savings account: Checking account

Problem making or receiving 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

2019-10-03

Las Vegas, NV

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-10-03

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I purchased a car through Ally financial which was my lender. My car XXXX XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Dixiana, AL

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-10-02

Warren, RI

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Plymouth, FL

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 reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response