ALLY FINANCIAL INC

2017-04-13

Utica, NE

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

2017-04-13

Yonkers, NY

Incorrect information on credit report

Credit reporting:

Personal information
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

Acequia, ID

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?
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

2017-04-13

NC

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-13

Oxford, GA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.
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

2017-04-12

New Britain, CT

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I got my car from the dealer and I realized 6 months down the road when no bank wanted to refinance my vehicle, that I was truly duped with my car. Inspite of my very good credit they just would n't do it because the other banks said my car was sold way over its value I have been paying my car faithfully even before the due date but the lender refuses to give me a better percentage. I 'm stuck at 11 percent. My car has been to the mechanics for factory problems since day one. But I do n't want to ruin my credit so I continue to pay it. I 'm hard working productive member of society and it needs to be looked into. The loan company has gotten sued many times from the research I made.
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

2017-04-12

Centerville Branch, GA

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

2017-04-12

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.
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

2017-04-11

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.
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

2017-04-11

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

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

2017-04-11

Antioch, TN

Making/receiving payments, sending money

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

2017-04-11

Plymouth, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.
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

2017-04-10

Mc Kinney, TX

Disclosure verification of debt

Debt collection: I do not know

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

2017-04-10

Key Biscayne, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. Thank you for your assistance. XXXX XXXX. I do not
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

2017-04-10

Benbrook, TX

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

2017-04-09

OK

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.
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

2017-04-08

Milwaukee, WI

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.
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

2017-04-08

Saint Clair, MO

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.
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

2017-04-08

Foothill Ranch, CA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with 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

2017-04-07

Cotati, 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

2017-04-07

Centerville Branch, GA

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

2017-04-07

Wonder Lake, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.
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

2017-04-07

Madison, TN

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
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

2017-04-07

Erwin, TN

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

2017-04-06

Baltimore, MD

Problems caused by my funds being low

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