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 115
2017-06-02
Cordova, TN
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: My vehicle is finance d with Ally Financial. I received a call from Ally Financial XXXX XXXX , 2017 stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-02
Meskegon, MI
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
2017-06-01
Harsens Is, MI
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Their investigation did not fix an error on your report
Complaint: I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through GMAC in XXXX . We traded the XXXX XXXX in for XXXX XXXX XXXX on XXXX XXXX , XXXX in My name only this time.That being said the XXXX XXXX was paid off through GMAC and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r ( XXXX XXXX ) . Initial ly there were XXXX 30 day lates, XXXX reported on XXXX XXXX and the other in XXXX XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed XXXX 30 day late which was the XXXX XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my XXXX person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XXXX XXXX , XXXX so how can we have a 30 day late on our credit report for XXXX XXXX & XXXX XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XXXX XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-01
Three Bridges, NJ
Incorrect information on your report
Vehicle loan or lease: Lease
Account information incorrect
Complaint: This account was written off fro m Ally Financial ... It needs to be removed from all XXXX of my credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-01
Town Center, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-01
St Heights, MI
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
2017-06-01
NJ
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: ALLY Bank has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid. I need support in removing this lein. Account Number : XXXX Please call or email anytime. Mobile : XXXX email : 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
2017-06-01
Richmond, VA
False statements or representation
Debt collection: Auto debt
Indicated you were committing crime by not paying debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-31
Dallas, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I have my car financed thro ugh Ally Financial. Since XXXX of XXXX I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the XXXX of every month, and this month, on the XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30 minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. 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
2017-05-31
Pittsburgh, PA
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
2017-05-31
Oxford, GA
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Complaint: I received a letter from CFPB on XXXX XXXX , 2015 because I may h ave been eligible to receive a payment of at least {$300.00} from a legal settlement with Ally Financial Inc . On XXXX XXXX , 2015 I submitted the required signed Ally customer participation form and emailed a copy to XXXX XXXX XXXX and mailed the original form to XXXX . XXXX XXXX , XXXX , PA XXXX . However I never received any follow-up letter nor payment from Ally Financial Inc .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-31
West Brandywine, PA
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 took out a loan from Ally Financial i n XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}. I also made Principle payments on XX/XX/XXXX of XXXX ; XX/XX/XXXX of {$5000.00} ; and XX/XX/XXXX of {$3700.00}. On XX/XX/XXXX I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in XXXX stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments. <P/> I called on numerous occasions to ask why my payments have not been applied properly. My first call was XX/XX/XXXX . Ally was taking the extra $ XXXX month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action. <P/> Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account. XXXX XXXX just wants to collect money even if it is not their 's. <P/> Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan. 3. Is a copy of my Final Check 4. I s XX/XX/XXXX Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-30
Calabasas, CA
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
2017-05-29
NJ
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: As I have tried to purchase the vehicle that I leased, I have been told that I can not receive financing unless I put down approx. {$2000.00}. As seen in the contract attached, I have already put {$2700.00} down on the vehicle which was fraduaently taken off of the vehicles MSRP price when it should have been taken off of the amount I was leasing. Also, th e " Rent Charge '' on the vehicle is absolutely insane, at it is approx. 91 % of the amount I leased on the vehicle. It should, if not already, be illegal for a leasing company and the car dealership to charge a customer almost the same dollar amount in the " Rent Charge '' i n relation to the Depreciation Costs that are used to lease a vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-29
Carrollton, TX
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-29
Minto, ND
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: I sent a check for full payment of my auto loan balance on numerous occasions and my bank, XXXX XXXX XXXX has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-29
Bel Alton, MD
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Ally financial continues to report to all of the credit bureaus false information. XXXX & XXXX REPORTED ME FOR XX/XX/XXXX 30 DAYS LATE. I am not 30 DAYS late ... .even if I am 15 DAYS late ... .that still is NOT 30 days ... ..STOP REPORTING FALSE INFORMATION! THEY FIXED MY HUSBAND 'S INFORMATION. BUT THEY HAVE NOT FIXED MINE. WE EVEN GOT DEFERMENTS ON OUR ACCOUNT AND THEY MESSED THAT UP. I am asking that all of the late marks be removed that does n't show true 30 DAYS or over ... ..include all of the deferments also ... .even the one that they approved late to try and make our account late to get extra funds. By law they are NOT allow 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
2017-05-28
Arlington, TX
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
2017-05-27
Hartford, AR
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them. I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong. It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably XXXX , XXXX dollars on this loan but only XXXX have come off of the note. Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted. The date of this call is XXXX XXXX 2017 .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-27
Harrisburg, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem while selling or giving up the vehicle
Complaint: I have made multiple attempts to get this resolved with Ally Financial previously GMAC. They have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX . O n XX/XX/XXXX @ XXXX XXXX . I contacted GMAC an d the XXXX XXXX corporations about this opportunity. I later reviewed my credit report and to my dismay o n XX/XX/XXXX @ XXXX XXXX . I reached out to GMAC / XXXX to attempt to resolve. O n XXXX XXXX XXXX ; XXXX XXXX the President and CEO of GMAC was contacted and claims to have attempted to reach me of which I received an email after providin g four contact n umbers of which to reach me. Email was sent to 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
2017-05-26
Bittersville, PA
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
2017-05-26
Mc Knight, PA
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 explanation
2017-05-25
Queens, NY
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on XXXX XXXX 2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on XX/XX/2017 , Loss Prevention placed a block on my account restricting my access to online banking and left me a message. I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank, XXXX , and the LP Representative, XXXX XXXX advised she would get back to me after speaking to XXXX . On XX/XX/2017 , XXXX XXXX stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00} to Ally Ban k for funds owed on a Jointed Money Market Account ending in XXXX that was closed and charged off prior to this matter. For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as of XX/XX/XXXX ( today ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing Ally Ban k to transfer or withdraw funds from my interest checking account ending in XXXX to cover the debt owed on the Joint Money Market Account ending in XXXX which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize Ally Ba nk to use funds from my checking account to pay this debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-24
Gloucester City, NJ
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n XX/XX/XXXX which was paid by me on XX/XX/XXXX Since XX/XX/XXXX Ally has called me or my family members constantly. I or another family member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-24
Johnston, RI
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
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