ALLY FINANCIAL INC

2017-09-25

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

Timely Response

2017-09-23

MO

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Presently, I 've worked quite well with them in paying them after they were forcing payment, but I worked even better with XXXX XXXX in reworking our arrangements to allow me to pay that portion of the loan back later. XXXX XXXX helped me to get the money to put down on the car. This vehicle was being used for XXXX, however there was an issue with titling and then XXXX disabled access to continuing doing self employment to pay for the car. Along with that setback, we were in the process of getting a new job after our previous employer had to terminate our contract. We sent a letter to the company, as well as to XXXX XXXX and was told that we could rework the XXXX XXXX loan because they actually got the letter. The same letter was also sent to the three credit bureaus. The company, Ally Financial, stated that they did not get the letter and that they are a business, they do not respond to letter inquiries in the postal mail, further, after the conversation about this and speaking with about 4 different representatives, we finally got someone on the line who we had to grill about what we were attempting to convey ( in the nicest way possible ) that we would pay them, yet we needed to rework our loan as they did not on the previous phone calls, nor did they correspond to the letter that was sent. I further sent money to them via XXXX to bring the arrears partially current in their system and get reactivated on their online payment system, so I could just pay them from my bank account or credit/debit card. Presently I 'm awaiting a payment from XXXX XXXX and my bank account is negative XXXX cents, but I expect there to be additional funds after the XXXX games this week before playoffs and if they make the playoffs, I further expect additional time at the games, where I can work additional hours and bring all arrears current or at least one payment behind. The present arrears and the current pay schedule do not allow for the car registration and the arrears to both be paid at the same time. I also will be unemployed after the final games and have been looking for work even before this point by going to the XXXX Division of Employment Security office downtown on XXXX XXXX, have completed testing to further my career options with XXXX and have also as of today, followed up with three job opportunities. The previous week we did followup with our previous employer and would have to move into the area, which we have followed up on a matter to move there just for that case, so we could resume making XXXX an hour with that employer. The treatment by the representatives may not have been the nicest, but I can agree they were effective in at least showing that they were serious about us paying them the money owed and sticking with the commitment to pay. We never, even now, feel the need to skip out on payments, we have additional obligations we have to meet, and have to actually have our paychecks come to us, as we were supposed to already have been paid for about a weeks worth of work and have not gotten such yet. Lastly, we are receiving XXXX income which is fixed, but it is manageable if the payments are rearranged. WE have been attempting to stay in touch with the company, but not up within their rear ends about everything as they were calling our leasing office ( who happened to let them know they could not continue to call them regarding these matters ). I 'm working to get my entire financial course corrected and previously was living on the streets and even sleeping on someones couch, then sleeping in the car, just to make sure I could maintain my job which was over 100 miles away ( at the time that I had it ). I 'm looking to ensure I can pay, as the conditions may have seemed harsh, but I did get the opportunity to see some beautiful scenery, in some not so pleasant conditions if you do n't have the suitable clothing for such an occasion. Present copy of document sent is with XXXX XXXX, I will upload a copy of the document Monday or sometime next week after returning from XXXX XXXX, they also could send the document to you all if that would work smoother, they are quite reliable when it comes to working with people and getting accounts paid. I further have gotten a letter for XXXX and have also sought legal counsel & even had to reach out to the Missouri Attorney General for help ( has open inquiry into matter ). With XXXX XXXX XXXX, the vehicle that has the loan on it, has a faulty transmission and is potentially going to be recalled .... I will not be paying for a vehicle I can not utilize to earn a means of living. I got involved with a lender unknowingly that was involved in the mortgage crisis as well, so I 'm just hopeful they will be more lenient and not seek bailout funds, but not help myself or other consumers who may have similar issues .... I appreciate their online portal, its actually very sleek. Here is a conversation that was saved to XXXX XXXX on the computer, this was before calling in and reaching the people about paying the arrears, " Ally Info at XXXX, XXXX XXXX : Welcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you in a moment. You are number 3 in the queue. Thank you for waiting. Info at XXXX,XX/XX/XXXX : We 'll be right with you. Thanks for your patience! You are number 2 in the queue. Thank you for waiting. Info at XXXX, XX/XX/XXXX : You are now chatting with 'XXXX XXXX XXXX at XXXX,XX/XX/XXXX : Thank you for chatting with me today. How can I help? XXXX at XXXX, XX/XX/XXXX : Great Day XXXX, I sent in a letter via US mail regarding m late account payments and arrears. I was hoping to hear from these individuals about working on rearranging the payment schedule and getting my account up to date .... at the same time, I wanted to discuss what to do if the vehicle is defective and how that effects the entire account as a whole including the lien and arrears? XXXX at XXXXXX/XX/XXXX : Hello. Welcome to Ally Chat Service. XXXX at XXXX,XX/XX/XXXX : Thank you for the information. I can definitely assist you with that. May I have your full name so that we can pull up and verify your account. XXXX at XXXX,XX/XX/XXXX : Yes indeed. XXXX XXXX XXXX XXXX at XXXX,XX/XX/XXXX : May I ask for the year, make and model of the vehicle please? XXXX at XXXX,XX/XX/XXXX : Yes Sir, XXXX XXXX XXXX XXXX XXXX at XXXX, XX/XX/XXXX : Just to make sure I pulled up the right account, may I ask for the last 4 of the SSN Social Security Number and your address please? XXXX at XXXX, XX/XX/XXXX: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for verifying the account. XXXX at XXXX,XX/XX/XXXX : Upon checking in our system this accounts is now handled by our account specialist. You may contact your account manager to provide you the necessary attention needed for your concern. Or you may contact our customer service over the phone at XXXX to further assist you. XXXX at XXXX,XX/XX/XXXX : Is there a direct number to this specialist, as I have to work on getting to some kind of phone, right now I do not have one with me? XXXX at XXXX,XX/XX/XXXX : Also, do you know if they got the letter I sent? XXXX at XXXX, XX/XX/XXXX : Let me further check in our system. XXXX at XXXX, XX/XX/XXXX : When did you sent the letter so that I can check from one of our department? XXXX at XXXX, XX/XX/XXXX : It was a little over a week ago, might have been a bit longer .... I do not know the exact day at this present time, or at least I 'm not allowing that awareness to popup in my brain .... XXXX at XXXX,XX/XX/XXXX : Please allow Ally to received your letter, the timeframe for mailing time is 3-5 business days, I already checked in our system we have n't received any paper works or any documentation on your account. XXXX at XXXX,XX/XX/XXXX : I can provide you a direct number to call who handles your account, the number is XXXX. XXXX at XXXX, XX/XX/XXXX : Thank you, is there a name of a person to speak to? XXXX at XXXX, XX/XX/XXXX : Any account specialist will be more than happy to help you regarding your account, here in Ally Chat we do have limited access to your account. XXXX at XXXX,XX/XX/XXXX : You 're welcome. Is there anything else that I may assist you with? XXXX at XXXX, XX/XX/XXXX : Rest assured, XXXX. That I will properly notate and document your account, regarding your concern for today. XXXX at XXXX, XX/XX/XXXX : Is more why I asked who that account " specialist '' is who I need to speak with ....? So any account " specialist ( s ) '' can help? XXXX at XXXX, XX/XX/XXXX : Yes, there is already an indication on your account to the right department. XXXX at XXXX, XX/XX/XXXX : okay cool. I will try to get to a reliable phone today and call, thank you much for your help my friend./ XXXX at XXXX, XX/XX/XXXX : You 're most welcome. It 's my pleasure to be of help today. Thank you for chatting with us. Take care and have a wonderful day, Here in Ally, you 're in good hands. Good-bye for now. XXXX at XXXX,XX/XX/XXXX : Please remember we are here to assist you with your online needs at Ally.com/auto or by phone at XXXX ( XXXX ). We value your feedback, please click the " X '' button at top right to answer a few questions about your experience with us today. XXXX at XXXX, XX/XX/XXXX : I hope everything will be alright. Thank you for chatting. Good-bye for 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

2017-09-22

Managing an account

Checking or savings account: Checking account

Problem accessing account
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

2017-09-22

Grandville, MI

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: I have been a customer of XXXX for about 10 years, and they were purchased by Ally fairly recently. I trade stocks and options regularly, maybe once a month or more on average over that 10 years. I had positive experiences with XXXX and usually fund my account with wire transfers from my credit union. My issue is that Ally is allowing me to use the money WITHIN their system like they are required to, but they are extending holds on my funds of 10 business days. My account is not new, I am not new, I am not risky, I am approved for margin trading, etc. So what is with the extended hold that they refuse to even look at changing? The wires have come from my same checking account for the entire period, so the risk to them that somehow the funds will be attempted to be pulled back is zero. I think under the guise of risk management they are ignoring proper risk management and placing an unnecessary hold time to keep a low cost of funds or encourage more trading with the associated fees to Ally. It 's ridiculous in my opinion. When I attempted to resolve via chat with an agent, that was also disappointing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-22

Gastonia, NC

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-22

Houston, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account information 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

2017-09-22

Lithonia, GA

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

2017-09-22

Orion Twp, MI

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: Ally Bank is fraudulently attempting to collect additional fees. They refuse to acknowledge the evidence I provided ( Tire condition photos with date stamp on it, vehicle has 16k miles ). Ally provided photos of incorrectly measuring tires with tons of mud in the treads. They have lied multiple times about a payoff quote claiming that Ally does not have such option ( I have recorded conversations ). They are threatening to forward amount to collection. I can only speak to certain agents, I can not get to any different department agent ( i.e. dispute department, problem resolution, customer satisfaction ). They have confessed and acknowledged that the vehicle is a " grade 4 vehicle '' ( excellent condition ) which will most likely sell above its residual value ( also have recorded conversation of that, matter of fact it was the first call I received from them ). I need advice on how to take legal action against Ally. Please help p.s. please pay close attention to how the measuring card is bent, the treads " barely '' miss the " allowable '' mark. See the amount of mud inside the tire treads.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-21

Santa Ysabel, CA

Loan payment wasn't credited to your account

Payday loan, title loan, or personal loan: Title loan

Complaint: As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.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

2017-09-21

Lake Charles, LA

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: On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto 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

2017-09-21

Oxford, GA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: I HAVE A SAVING ACCOUNT WITH ALLY BANK. BANK CLOSE STATEMENT XXXX XXXX OF EVERY MONTH. TODAY, XXXX. I DID NOT RECEIVE MY STATEMENT BY XXXX. I CALLED THEIR CUSTOMER SERVICE BUT THEY NEVER CO OPERATE WITH CUSTOMER. THIS BANK HAD A VERY BAD CUSTOMER SERVICE. I CLOSED MY OTHER ACCOUNT IN XXXX XXXX BECAUSE OF THEIR HORRIBLE CUSTOMER SERVICE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-21

OH

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I purchased my vehicle in XX/XX/XXXX under my business. I told them at the time I was the only member of my business and that my tax ID number was simply my social security number. I contacted them a few months ago ( XXXX ) because while my accountant was looking over my IRS paperwork, he discovered that my business vehicle was NOT titled under my social security number but a made up number by the company. They have n't had my business vehicle titled correctly since I purchased it, meaning the tax deductions through my business are actually invalid. I have sold the business and I want them to switch this from a business to a personal loan and refinance it. They are telling me that I cant. I am very close to getting a lawyer and suing them to get out of this contracted loan. I either want them to take the car back and let me out of my loan, or remove the ridiculously high interest off of it and title it in MY name. Every-time I call they ask to speak to my husband, not me. My husband has nothing to do with my business whatsoever. I am absolutely SICK over this and nobody seems to be able to help me so I guess legal action is necessary. I dont feel like I should jump through hoops so that I can have this done correctly for them, they screwed up, not 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

2017-09-20

Chicago, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: To whom it may concern I XXXX XXXX is struggling on making my payments for the past 3 months but I have made partial payments last partial payment was made onXX/XX/XXXXof 2017. For XXXX I understand it not a full payment but I 'm trying the best I can to pay everything in full in a period of time. I am struggling due 2 3 things now one is a hospital bill that is huge for a XXXX that was done to my dad in XXXX. That has been one of the reasons of my delay to make payments the most recent one is the hurricane XXXX that affected my love one my family in texas. Their homes were completely destroyed and now they have nothing my family and I provide them with water, clothes, blankets, food.and money. It is very sad and upset that I am experiencing this problems. And seem not to find a way out of this. This is a temporary thing and that is why I want ally financial to understand that I need to support my family affected and now also by the earthquake in XXXX XXXX my aunt uncles cousins have no water no homes, no clothes, and in need of more help. Those are the main reason why I in default and un debt. It is not intentionally I am working but my check is just not enough not now that I 'm experiencing this terrible situation due to mother nature. My family and I are very upset that all this is happening to my family and us. I spoke to a representative today XXXX XXXX. 2017 and the representative insulted me telling me that I was loud and that I was angry and that I was always screaming on the phone I told him that that was the way I spoke and not to take it the wrong way but I was n't mad and that I had a deep voice. He insulted me telling me all those things and I even told him are you listening to what you are telling me you are insulting me sir. And I have you recorded and I told him I would file a complaint to cfb consumer financial protection bureu. That is very unprofessional the representative iinsulting you telling you that I was been loud and other things unacceptable not need it to gear those kind of words. In other word he was saying I was rude. And annoying and told me to stop talking and listen to him. I got mad and told him that was incorrect and that that was not the way to treat a customer even if anyone was behind on payments. Ally Financial I have always been on time on my payments except this 4 months to to the circumstances that I 'm currently experiencing due to my relatives affected by the hurricanes and the earthquake and my dad 's situation. I also wan na thank you because you been there for me before and now you are making it difficult to me i need tour help and they calling me more than 30 times a week or every 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

2017-09-20

WV

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: I paid off my auto loan and can not get the title. My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? I paid the loan off in good faith I want my problem fixed in good faith! Bought truck on XX/XX/XXXX {$450000.00} paid off truck XX/XX/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

2017-09-20

Jupiter, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-19

Meridian, AR

Incorrect information on your report

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

Account status incorrect
Complaint: I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-19

Brooklyn, NY

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

2017-09-18

La Vernia, TX

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Hollywood, 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 contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from 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

2017-09-18

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

Timely Response

2017-09-18

Owensboro, KY

Managing an account

Checking or savings account: Checking account

Fee 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

2017-09-17

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

Timely Response

2017-09-16

Centuck, NY

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

2017-09-16

Dexter, KY

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I bought the vehicle in XX/XX/XXXX, possibly XX/XX/XXXX. Within 60 days of purchasing it the engine stopped and the dealership had to install a used engine in its place since they said it " blew up '' and was not fixable. From that point I had mechanical problems with the car consistently over the next 3 years which caused me to get behind on the payments. The company ( Ally ) worked with me I thought but after all, I realize recently that every payment that I skipped has added at least a year to the payments. I have tried to discuss what options I have concerning the loan and repossession and I have never received the information I asked for. I have stopped making the payment for 2 months and feel that they should reposses the vehicle and not charge me anymore. I have paid somewhere near {$10000.00} to Ally and have spent approximately {$4000.00} to keep the car running. I do not make a lot of money and I am a single mother. I just want to wash my hands of this vehicle and not have to pay Ally anymore at rate of 17 % interest. Before my husband left in XX/XX/XXXX I agreed to filing bankruptcy to please him which is why my credit was bad at that time. Please help 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

2017-09-16

Douglas, 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
Complaint: Lessee wishes to file complaint against lessor Ally XXXX. XXXX XXXX XXXX, MN XXXX regarding a leased XXXX XXXX XXXX. Lessee had vehicle detailed professionally which included removal of all minor dents and scratches. This process involved an insurance claim. Work was performed by a professional collision shop. Vehicle was turned in at leasing dealership onXX/XX/XXXX and the odometer read XXXX. The allowed extra mileage purchased was XXXX. The dealership confirmed it was in excellent condition and ally offered me to purchase for {$10000.00}. I took photos of the vehicle and turned it in. OnXX/XX/XXXX Ally hired inviso to perform a vehicle inspection. The inspection company took photos of the vehicle. They took a picture of a clean seat and cited it was soiled. A photo of the front of the vehicle exhibits a clean reflective scene of the pavement. They cited the '' front bumper had previous repairwork which was ok '' but claimed hood dents and chips but give no photo evidence. The front has never had collision repairs. They cited " rear bumper scuffed entire ''. Photo shows a flawless finish and no visible damage. " Decklid previous repair ok. The decklid has never been damaged or repaired. Lessee contends the vehicle inspection was done errorniously. OnXX/XX/XXXXAlly sent a letter asking me to sign an odometer statement and billed me for {$200.00} citing on this inspection " the left quarter panel had previous poor repairs and has orange peeling ''. The left quarter panel has never been damaged and the inspection photo does not exhibit any visible damage. I immediately contacted Ally to dispute the inspection and the billed charge. I discussed the lessee rights per the lease to allow for an independent inspection however I was informed by Ally that they sold the vehicle at wholesale auction for {$7700.00} immediately after the inspection. I explained should there be any alleged damage or flaw in the vehicle I would have had the collision repair shop that detailed it to fix it as they guarantee they 're work. I argued with Ally that know reputable body shop is going to leave some type of orange scratch or clearcoat peeling on a vehicle-nor would the insurance company allow for any inferior repair work. It makes no sense and I felt the inspector made an error in judgement or since they photo shows no close up or visible issue that they companies were acting in bad faith. The inspection and subsequent charges are false and frivolous. Ally could not provide proof of any repairs made. Ally has informed me via telephone they stand by the charge. They only charge to me is for the alleged quarter panel however the inspection cites charges for the rear bumper and hood however their own photos show no proof of any type of issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response