ALLY FINANCIAL INC

2017-07-29

Rocky Ridge, MD

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-29

Lenzburg, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-28

Glendale, CO

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-28

Tuckasegee, NC

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

2017-07-28

Portland, OR

Closing an account

Checking or savings account: Checking account

Company closed your 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

2017-07-28

Manassas, VA

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 non-monetary relief

Timely Response

2017-07-28

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

2017-07-27

MA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem when attempting to purchase vehicle at the end of the lease
Complaint: Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease. Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so. It 's either negligence or incompetence. Either case is not good for the consumer. If this is n't resolved I 'm going to sue Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-27

NJ

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Complaint: I leased a XXXX XXXX XXXX XXXX pick up truck from XXXX XXXX in XXXX, NJ. At XXXX miles some computer glitch happened with the transmission. XXXX/XXXX/17 the PCM blew causing the vehicle not to run safely and XXXX XXXX in XXXX XXXX replaced the PCM. XXXX/XXXX/17 my trucks was not driving safely. Issues were that the vehicle would accelerate by itself, brakes would not work, except the emergency brake. Once " E '' brake was applied the truck turned off. Since this date, XXXX XXXX has continued to try and fix my truck which they have been unsuccessful with. I HAVE A LOT OF PAPERWORK, CAN I MAIL IT TO YOU?? Lender will not help me or get involved. Or accept a hardship letter. Please call my cell : 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

2017-07-27

Norwalk, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Ally Bank has customer service that is very disconnected and unknowledgeable about the basics in flowing a dispute to the right direction. A check was first wrongfully taken by Ally Bank at an ATM, and failed to return the check. XXXX XXXX has already resolved this and wrote me a cashier 's check. But because of a dispute, I brought up with them because Intuit paid a bill of mine to XXXX .... through Ally checking account. I had a three-way call with Ally and Intuit and explained very clearly " Intuit did pay this, but only because the bill was accidentally taken care of, instead of the REMINDER it was only supposed to create. '' After this was clearly stated on phone with two representatives, ... Ally still saw this as " Fraudulent '' and closed the account. After all that explaining, and what I thought was an effective use of customer care, and letting them know this is me. They do n't care about anything going on at the moment. As soon as I contact them again, it 's like I did n't have any request or agreement with them at all. ... ... They take the next action they want, even if lied to me. All of this has taken at least 4 hours on the phone of my time, not to mention the most important things. Since ALL of these delays ( Ally has caused weeks worth of delays in the few months the account has been opened ). Because of this, I risk paying off my credit card in time, and other various bills. Each time I have talked to Ally, there is no connection to the last conversation. I have to almost beg, find mindful ways, guide them, hold their hand to the right sources to help me. The attitude is very " Well what do you want me to do :? '' After explaining to them my problem, and clearly, they make me waste so much time that I wonder how much money I am losing by the minute. Not to mention the stress. On the last conversation I had 2 days ago, XXXX XXXX sends me this email shortly after we agreed on the phone exactly what I wanted, for my account to be kept open, and the dispute dropped because everything was fine now. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - " Dear XXXX XXXX : In support of our commitment to quality, I am emailing you in regard to your new account application. We have been unsuccessful in our attempts to contact you by phone. If you would like to discuss this further, please contact me at the Executive Resolution Group, XXXXXXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time or Saturday XXXX XXXX to XXXX XXXX. Eastern Time. Questions? We 're here to help, anytime. Just call XXXX ( XXXX ) 24 hours a day, 7 days a week. You can press " 0 '' to reach a Customer Care Associate immediately. Sincerely, XXXX XXXX Executive Resolution Specialist | Ally Bank Deposit Operations " '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - An email totally disregarding everything every person has talked with me about, and how I wanted everything resolved. But not just that, they SAID notes would be taken and seen, nothing. And that two days later, the account would be left open, and the dispute dropped, money free. Contacted them for the 5th time today, same deal. They closed it. . This company each time calling has shown ... .. no one is taking notes ... no one cares to fix this .... and each representative has such a MINIMAL knowledge of the bank and how its inner workings are .... This is a far cry from the quality 10 years ago in banking. What 's funny is ... .. each time Ally has wronged me ... .. they never failed to take the money. They sure took the check into the account when they knew they were closing it, but now is sure gon na give me a hard time taking it out, and transferring it DIRECTLY into my Aspiration account. {$180.00} This is where the resolution kicks in.
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

2017-07-27

South Florida, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
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

2017-07-26

New Egypt, NJ

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-26

Salton City, CA

Managing the loan or lease

Vehicle loan or lease: Lease

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

Timely Response

2017-07-26

Pearland, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-26

Watkins, CO

Incorrect information on your report

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

Account information incorrect
Complaint: I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP 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

2017-07-26

AL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial 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

2017-07-26

Savannah, 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
Complaint: The Company claimed they needed more documentation that it was my information such as a ssn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-25

MI

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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

2017-07-25

Alafaya, FL

Communication tactics

Debt collection: Auto debt

Used obscene, profane, or other abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-25

FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: XX/XX/2017 I attempted to payoff my loan. Late charged on my account due to hardship. Contacted Ally they advised of completion of waiver for XXXX by Monday X/XX/2017. It is now XX/XX/XXXX XXXX my 3rd call and nothing is done on the account. I was advised my a " supervisor " XXXX that my waiver was still in process. But early that day a representative told me there were only notes on the account no waiver was ever submitted. I am so tired of companies lying and doing anything they want to get you off the phone. All I want to do is send my final payment and I feel like they are stalling my payoff
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-25

Dunlap Lake, IL

Managing an account

Checking or savings account: Savings 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 non-monetary relief

Timely Response

2017-07-25

South Florida, FL

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within 1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-24

Pgh, PA

Incorrect information on your report

Vehicle loan or lease: Loan

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

2017-07-24

OH

Incorrect information on your report

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

Account status incorrect
Complaint: Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-24

GA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: Hello, These transactions are all unauthorized : XXXX XXXX 2017 XXXX E-PAYMENT - {$300.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$49.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$170.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1500.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$2000.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$580.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$290.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1400.00} " Provisional credits will not be issued for the transactions dated XX/XX/2017 through XX/XX/2017, as the recurring transactions were n't reported timely, within 60 calendar days '' I promise these are n't authorized transactions. I 've never done any business with the debitors. I 'd notice if thousands of dollars of stuff showed up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response