ALLY FINANCIAL INC
Consumer Complaints
There are over 6232 complaints on file for ALLY FINANCIAL INC. Dated between 2019-12-16 and 2012-03-09.
Complaints Page 112
2017-07-05
East Windsor, NJ
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not handled or disbursed as instructed
Complaint: I opened an 11-month CD amounting to {$100000.00}. However, 2 withdrawals ( {$100000.00} each transaction ) were taken from my source account at XXXX XXXX. I have already reached out to several customer agents almost daily since it happened. Several agents have stated that double funding happens many times previously.
Here are the chronological events : XX/XX/XXXX - opened 11-month CD and followed the online form ; XX/XX/XXXX - received call from XXXX fraud department about withdrawal and told them I opened an 11-month CD at Ally XX/XX/XXXX - funds were withdrawn from XXXX XXXX and deposited to Ally XX/XX/XXXX - email from Ally requiring verification of XXXX trial deposits made to XXXX XX/XX/XXXX - email from Ally indicating XXXX funds can be transferred XX/XX/XXXX - email from Ally at XXXX XXXX indicating that deposit was made XX/XX/XXXX - not sure what this was so logged in to Ally and only saw {$100000.00} on transaction history ; XX/XX/XXXX - logged into XXXX XXXX and saw another {$100000.00} withdrawn from account ; XX/XX/XXXX - called up XXXX around XXXX XXXX EST and spoke to Ally ; described the problem and she questioned if amount was indeed withdrawn from XXXX which I mentioned to her as she can not see any transfer on my account ; set up conference call with Ally ( agent is Ally ) and XXXX ( agent is XXXX ) ; discussed the issue and XXXX confirmed that funds were withdrawn ; she tried reaching the transfers department but no one was answering the call ; requested to escalate or raise the issue asap ; was told to call back the next day, asked her if she can follow up but was told she is not working the next day so I have to call. No resolution made.
<P/> XX/XX/XXXX - called Ally around XXXX XXXX and spoke to a male agent ( can not hear name correctly but he is from XXXX center ) ; described the problem and mentioned about discussion with Ally the previous night ; told me that he can not see any transfers so told him on my Ally dashboard, on snapshot, I click on CD account and it shows the Transaction history ( see attached ) ; on the Transfers menu, go to Activity, click on the description and you will see the money withdrawn on XX/XX/XXXX ( see attached ) ; agent kept saying that he can not see the transfer number even though I told him about the Ally dashboard ; agent even insisted I did something wrong when I opened the account as he had seen this happened numerous times. If this has happened repeatedly, then something needs to be investigated as this was not the desired action! Was told that it takes 3 days to receive the transfer and money will be sent back to XXXX XXXX and will take another 3 days to receive it. That is minimum of 6 days money movement without earning interest on either bank account. I opened a Cd with Ally because I wanted to earn more money, not to lose money! Requested to talk to transfer department as this was what Ally from the previous night tried to do. Was told it can not be done. Requested to raise or escalate this issue and was told nothing can be done. Was put on hold for several minutes and was told that nothing further can be done. Very upset about this conversation as he kept insisting that I made a mistake! Told him that after trial verification of amount, the deposit was triggered. No resolution made. Asked me to stay for a survey but after the call ended, line was disconnected and no survey to do as he knew it will be negative outcome!
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XXXX XXXX - online chat with XXXX. Explained the problem and was told that she can not see the transfer. Told her the same dashboard will show the transaction history and in process transaction mentioned above. Was told that money will be returned after receiving and will take about 3 days to be received. Was told nothing can be done. Requested to raise or escalate the issue. No resolution made.
<P/> XX/XX/XXXX - I spoke to another customer agent, XXXX, and told him that since the double funding has occurred, to DEPOSIT the incoming funds to a new CD which he opened today. I was told that he did put a note in the system regarding this.
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XX/XX/XXXX Received email from customer care, XXXX, and referenced the email I sent on XX/XX/XXXX. No reference made to the other emails sent following that. The email stated to call Ally with the reference number stated on the reply email.
<P/> XX/XX/XXXX I saw that the in-process funds transfer for the XXXX withdrawal has the status change to process completed. However, I do not see the funds go to the new opened CD. I called Ally and spoke to a customer agent, XXXX, and had no update ( the agent spent considerable time looking at my email correspondences ) regarding the cited reference number mentioned on the Ally reply email dated XX/XX/XXXX from XXXX. To make the matter worse, the Ally customer agent hanged up the phone in the middle of the conversation!
<P/> XX/XX/XXXX Called up Ally and spoke to another customer agent, XXXX ( from North Carolina ), and put me on hole for several minutes. When she came back, she told me that I transferred 2 funds which I corrected her by stating that I never initiated the 2 transfers but that Ally made the double withdrawal from my account as I mentioned to her at the beginning of the phone call. She then said that the funds were received today which I corrected her again and said the transfer status for the funds were completed yesterday, not today. The agent then said that the funds was rejected and generated an error since the CD was already funded. She then said that the funds will be sent back to XXXX XXXX later today and will take another 3 or more days to receive.
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Based on all the correspondences above, I still do not have the funds and have lost interest from XX/XX/XXXX XX/XX/XXXX ( according to what the last agent said when I can possibly receive the funds ). If I had done the same type of error, I would have incurred a series of penalties. At this point, how will I recover all the lost interest on this money as Ally made an error withdrawing the funds twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-07-05
Addicks, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
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
2017-07-04
Jacksonville, FL
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Termination fees or other problem when ending the lease early
Complaint: RE : XXXX XXXX XXXX -- -VIN : XXXX -- -Account : XXXX File # XXXX ALLY is willfully committing consumer fraud as the lessee exercised its right for early termination under Section 29 on XX/XX/XXXX ALLY Financials lease agreement specifically states that under Section 8 by Excessive Wear and Use. The lessee may be charged for excessive wear based on Ally Financial standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. <P/>The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. <P/>Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. <P/>Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. <P/>However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. <P/>Lease term from XX/XX/XXXX and ending XX/XX/XXXX. <P/>ALLY Financial committed consumer fraud as they did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-02
Hanceville, AL
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-29
New Britain, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XXXX of XXXX, I leased a brand new XXXX through Ally credit company. In XXXX I paid my payment a little late and they applied it to the XXXX payment early. The next payment I made was applied to the XXXX payment, the next to XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XXXX bill. I was NEVER notified that my account was showing anything but current. In XXXX XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on XXXX despite the fact that we 've disputed it several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-29
Naples, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
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
2017-06-29
Tyrone, NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
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
2017-06-28
Calumet City, IL
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-28
San Jose, CA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-27
Improper use of your report
Vehicle loan or lease: Loan
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
2017-06-27
Sioux Falls, SD
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
2017-06-26
Scottsdale, AZ
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-26
Charlotte, NC
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
2017-06-26
Pearland, TX
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
2017-06-26
Brea, CA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-24
Manor, DE
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-24
Evanston, IL
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
2017-06-24
Dunnellon, FL
Received a loan you didn't apply for
Payday loan, title loan, or personal loan: Payday loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-23
Lockport, NY
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-23
Scottsdale, AZ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-22
FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-22
Bellaire, TX
Getting a loan or lease
Vehicle loan or lease: Lease
Credit denial
Complaint: On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-21
Charlotte, NC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-20
Columbus, OH
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: Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-20
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