ALLY FINANCIAL INC

2017-04-24

Columbus, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: My mother purchased a car back in XXXX for a XXXX XXXX . Her interest rate is 9.94 % for 75 months with payments at XXXX . She made her payments and in XXXX she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no, XXXX says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of XXXX that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

Mccullers, NC

Closing an account

Checking or savings account: Checking account

Funds not received from closed 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

2017-04-24

Fort Worth, TX

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Was not notified of investigation status or results
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

2017-04-21

Tupelo, MS

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Purchased a XXXX XXXX XXXX . Went through a divorce. I could n't pay thet the amount of XXXX a month on XXXX income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay XXXX . What a joke.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-21

S Charleston, WV

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-21

NY

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Complaint: This company has called my daughter at ( XXXX ) XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-20

Gulf Breeze, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-20

Ocklawaha, FL

Account opening, closing, or management

Bank account or service: Savings 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

Disputed: No Timely Response

2017-04-20

Library, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-20

South Florida, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a XXXX XXXX XXXX as a co-signor with XXXX XXXX , and my XXXX purchase of a XXXX XXXX XXXX with the same problems. I complained to XXXX multiple times regarding the engine stalling on me. It would turn off in the middle of the street from the first year of purchase. When the car had XXXX miles on it I took it into XXXX due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to XXXX and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called XXXX and sent emails to the General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if XXXX is part of that conspiracy. I received a very small portion of my lending fees fro m Ally when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally is harassing me until XXXX as if ruining my credit was n't enough. I 'm not sure if XXXX was part of the lawsuit but what I am sure of is that I purchased a XXXX XXXX and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at XXXX and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have XXXX kids and I service XXXX learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and my credit score is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the XXXX is plagued with these problems since XXXX ! How could XXXX not know this issue with the cars they sold? I am a victim of XXXX and Ally 's predatory selling and lending and demand the CFPB review XXXX an d Ally . I now have XXXX collection accounts for these bad cars when XXXX should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-19

Los Angeles, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info 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

Disputed: No Timely Response

2017-04-19

Washington, DC

Communication tactics

Debt collection: Auto

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

Disputed: No Timely Response

2017-04-19

Harrisburg, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a vehicle loan with Ally financial. I have been behind on payments. XXXX years ago, Ally viol ated the FDCPA by contacting me in excess of XXXX times in a XXXX hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through XXXX XXXX and XXXX XXXX for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through XXXX XXXX or XXXX XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak to Ally over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00} to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at Ally they stated that the only reason why Ally could not take legal action against me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-18

Shopping for a loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-18

Bellamy, VA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-18

Braceville, OH

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: I have received countless calls from XXXX XXXX XXXX for a name ( ca n't understand them maybe its XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-17

New Hanover County Airport, NC

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-17

Boise, ID

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-17

Ft Wayne, IN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: ALLY AUTO IS NOT REPORTING TO XXXX ONLY! THEY MUST CALL THEIR XXXX RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY XXXX CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-16

Alafaya, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-04-15

Miami, FL

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2017-04-14

Orion Twp, MI

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Library, PA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2017-04-14

Nashville, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-13

Sunnyvale, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response