ALLY FINANCIAL INC

2017-10-09

San Diego, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify 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

2017-10-08

Allenwood, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed 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

2017-10-08

Gonzales, LA

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

2017-10-07

Big Stone, SD

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 multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting 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

2017-10-07

Five Points, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: For over a year now, I have requested an ATM card to access my money in my savings account with ALLY bank. They claim that I can not have an ATM card unless I have a checking account. I have submitted several applications for a checking account and been denied. The bank gives different reasons which the primary reason is false and I have evidence to support this fact. I was informed in writing that I have something on XXXX. I do not and XXXX has never had a file with me. XXXX sent me a letter verifying this information. ALLY still refused and came up with a credit score as the excuse. However, my credit score has never prevented me from recently getting two major credit cards. It does n't make sense. I can not access MY OWN MONEY deposited into my savings account. I do n't understand how a financial institution can hold onto my money and give me no accessible card to access my money. I am told I would have to do a transfer wire or have ALLY send me a check -- all of which takes several business days. There 's no way to get emergency cash if I need my money from my savings account. The issue began with a previous checking account where I was overdrafted {$5.00} in XX/XX/XXXX. I had overdraft protection on my checking account and ALLY took the {$5.00} from my savings account. In retaliation, they closed my checking account afterwards. However, I continued trying to do business with them because of some friendly customer service reps. One gentleman even offered to open a Money Market for me along with keeping my Savings account. I told him this is almost the same as having a Checking account since he said I would have a card. There would be limited withdrawlals and fees for the bank 's advantage, so I refused. I was finally advised to open a second savings. I thought after a while, I could apply again for a checking account. This requests has been and still is denied. I requested my last application for checking on XX/XX/XXXX. After receiving a message with a reference number, I knew the company 's behavior would be the same. I immediately made a final decision to stick to closing out everything with them. I can not and will not do business with a bank who does n't even have the decency to know a customer should have the right to an ATM card if they have a Savings account with their bank. I would like CFPB to know that the last attempt to report this complaint went unresolved as late as XX/XX/XXXX. ALLY 's executive office responded with a pathetic computer generated email as follows : Thank you for taking the time to let us know of your concerns. We have received your complaint from the Consumer Financial Protection Bureau and will investigate your concerns. We will be responding in writing. If you have any further questions or need assistance in the future, please feel free to contact the XXXX XXXX XXXX, XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time and Saturday, XXXX XXXX to XXXX XXXX. Eastern Time. Sincerely, XXXX XXXX Executive Resolution Specialist | Deposit Operations XXXX XXXX XXXX XXXX MC : 1XXXX XXXX XXXX XXXX, PA XXXX T + XXXX | F + XXXX | XXXX ALLY did not ever provide me an ATM card. I do not advise online banking with banks like this because it 's impossible to get access to your money when needed with this type of business practice and low business ethic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Las Vegas, NV

Incorrect information on your report

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

Public record information inaccurate
Complaint: I leased a XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. Instead of including the XX/XX/XXXX XXXX in our chapter XXXX bankruptcy we agreed to a reaffirmation agreement with XXXX now Ally Financial. The reaffirmation agreement was signed by my wife, myself, and a representative of XXXX. Our attorney submitted the documentation to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the order on the reaffirmation agreement. The amount of the debt to be a reaffirmed was only for the remaining payments due on the lease which matured on XX/XX/XXXX. The judge approved the reaffirmation agreement on XX/XX/XXXX. All parties were notified by the courts. The XX/XX/XXXX XXXX was then returned to the XXXX XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX to the original creditor and the lease was complete and finished. The bankruptcy and final decree were completed as of XX/XX/XXXX. The XX/XX/XXXXXXXX was not included in the bankruptcy due to the fact that the reaffirmation agreement was approved by the judge. XXXX is reporting that Ally Financial included the XX/XX/XXXX XXXX in the chapter XXXX bankruptcy and is also reporting recent activity on the account. This is illegal and against FCRA regulations. It has been well over seven years since the reaffirmation agreement was approved by the court. My bankruptcy attorney called Ally financial and spoke with a CC on XX/XX/XXXX to try and resolve the matter and was told that they did not have to change anything if they did not want to. My wife called Ally financial on XX/XX/XXXX and spoke with XXXX. At first he could not pull anything up in their computer system about this account. He placed my wife on hold. Once he got back on the phone he told her that Ally Financial did in fact have all the court documents including the reaffirmation agreement along with the judges approval of the reaffirmation agreement. He proceeded to tell her that unfortunately the people that handle these cases had already left for the day. XXXX then admitted that Ally financial is reporting it wrong and that he would have someone from the department that handles such a thing change the coding and correct the information being reported incorrectly. This has been going on since XX/XX/XXXX with nothing being corrected. XXXX did admit that the chapter XXXX bankruptcy notation needed to be removed. He thought perhaps maybe it should be deleted entirely due to the age of the account. XXXX informed my wife that someone from the department that handles this would correct the coding and he would put a rush on it so that the credit bureau would be notified as soon as possible. XXXX has also not done a proper investigationXXXX XXXX needs to look at all the court documentation and notifications from the judge and report this account as not included in the bankruptcy or delete it altogether. Again a violation of the FCRA regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Scottsdale, AZ

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I experienced a permanant separation from my spouse of XXXX years. I 've explained this to Ally Financial as I struggled to catch up on payments over the past XXXX months. Their reasoning for not being able to offer XXXX type of assistance is due to the age of the loan. It 's only XXXX months old. I 've explained to them that since the separation, which was completely unforeseen, my expenses have understandably doubled since I 'm responsible paying all bills myself. I definitely do not want to lose my vehicle, but I 'm met with constant threats and intimidation tactics from Ally representations. They continually ask me for the reasons I 'm running behind on payments, do they not understand that people experiencing a separation after that amount of time might have difficulty getting thing back on track. I 'm am continuosly given incorrect or misleading information regarding their collections process, some reps say my vehicle will be XXXX XXXX immediately, others give differing variations of the process that are inconsistent and could harm consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Oxford, 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

2017-10-05

Inglewood, CA

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

2017-10-05

Alexandria, VA

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

2017-10-05

Bedford, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Santa Cruz, CA

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 monetary relief

Timely Response

2017-10-05

Bradford, PA

Incorrect information on your report

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

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

Timely Response

2017-10-04

Mabank, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Complaint: IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

Bronx, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify 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

2017-10-04

Cheverly, MD

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: On XXXX XXXX, XXXX I submitted correspondence to Ally Financial because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment. Attached you will find the letter I submitted to Ally Financial on 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

2017-10-04

Niantic, CT

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. I have a DO NOT Call at work on my account and they have called me at work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

Chester, NY

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-03

Olympic View, WA

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

2017-10-03

Clermont, FL

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: TILA, FCPA, FDCPA and Privacy act VIOLATIONS This is an attempt to validate a debt, against ALLY On XX/XX/XXXX and on XX/XX/XXXX I made the total payment for the remaining auto balance. Even though, being aware that I never received a loan and the bank is committing fraud per GAAP and TILA. My wife called XXXX XXXX on XX/XX/XXXX in the morning to confirm payment was received. She was told by your representative that full payment was received and a remaining balance is do to you. We will return the balance to you and I will send an email for them to release the lien. The call was also recorded. LOAN PAID IN FULL! XXXX XXXX loan and lien has been fully paid and satisfy. I have all documents from Ally as proof ( Ally Congratulations with Contract stamped PAID IN FULL, title and lease release. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. Payment confirmation copies attached from ALLY website, 4 pages. Also, attached copy of letter from Ally Congratulations, title and lease release. Furthermore, copies from the credit Bureaus showing Ally account paid and closed. ACCOUNT AUDIT was sent out certified mail to the Title CFO XXXX, XXXX XXXX and CEO XXXX XXXX. Also via Ally website on XX/XX/XXXX ( attached ). You can contact me at above address and email me at XXXX. Ally is refusing to close the account and is still requesting payments. Also Ally reinserted negative loan information on my credit as owe and late. Please close this account # XXXX and remove information from credit Bureaus. VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) TILA and Privacy act. I am requesting your assistance in putting an end to this matter before filing a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-03

Salton City, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-03

Berthoud, CO

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

2017-10-03

GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Purchased a XXXX XXXX XXXX from XXXX XXXX, which was financed thru Ally Financial Bank in XX/XX/XXXX. Just recently, in XX/XX/XXXX or XX/XX/XXXX, the vehicle was stolen. In an attempt to file a police report, we were told that the vin number provided was not registered for a XXXX XXXX, but in fact was registered for a XXXX XXXX. In contacting the Ally Financial and speaking with the customer service and customer resolution team, they offered no assistance in attempting the resolve the issue. We told them on many occasions that a fraudulent title had been issue with the correct information and the insurance company, XXXX XXXX, needed the title corrected in order to total the car. At that time they REFUSED to comprehend or assist in any manner and CONTINUED to DEMAND PAYMENT on a car they had ILLEGALLY been charging interest and demanding payments on a vehicle they did not have a LEGAL title for. Since we could not get any assistance from the finance company, we contacted the dealer, in which they did not want to assist and advised that they were not managing the company when the car was purchased. In the mean time of trying to figure everything out, we continued to be harrassed by Ally Financial to continue make payments on the car. The insurance company would not pay off the car and we were stuck trying to figure out what to do. Consulted with an attorney, who eventually reached out to the dealer, and was advised that they were working on the issue. The dealer took almost 60 days to fix a title and we were being harrassed to pay {$400.00} for a car note, {$350.00} for insurance. When title was fixed, the insurance company totaled out the vehicle. In the midst of all the paperwork being completed, the car was found and advised to all parties. The insurance at that time did not know if they were going to total or pay out the vehicle. The contacted an " unlicensed '' appraiser who quoted the appraisal of the vehicle at {$1600.00}, which was cosmetic repairs. Throught this time, continued to fight with the Ally and XXXX XXXX becuase we could not understand how we needed to continue to pay for a car we did not have. We live on a budget and do not have extra funds to pay for something we dont have. Car was repaired by XXXX XXXX, however after a day of receiving the vehicle, the car started making a roaring sound and is NOW BACK IN THE SHOP FOR REPAIRS. Spoke to a guy named XXXX XXXX who helped in getting account caught up in good standing. He made arrangments to get an extension on the account and to also advise us that he would waive the late fees and dispute the incorrect reporting to the credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX and advised us to contact Customer Care to assist in disputing the late fees and the credit report. The first initial rep said the max we could dispute is {$75.00} and I was VERY UPSET about that and transfered me to Customer Resolution who then XXXX me and my wife off. I can not understand how a company contracts services out to off shore companies to deal with US consumers and issues and can not transfer me to someone in the states. Her name was XXXX and advised that we COULD NOT AND SHE WOULD NOT dispute any late charges or the validity of the credit report that was reported during the time we had issues. We gave her the long story that we continue to haunt us and is a nightmare for us, but she could not understand and had no knowledge of how the company she works for can demand payment from a consumer who initially had a fraudulent and invalid title. What Ally needs to understand is that the contract that was signed for in XX/XX/XXXX was for me to purchase a XXXX XXXX and for them to request payments and any fees for a XXXX XXXX, but they had a title and paperwork applied for a 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

2017-10-03

Bakersfield, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-02

San Diego, CA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response