ALLY FINANCIAL INC

2017-03-29

Huntley, IL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
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

2017-03-29

Discovery Bay, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2017 I accidently made a {$670.00} payment to a closed Ally bank auto loan. I asked they refund the payment on XX/XX/XXXX Ally stated the account is closed it will reverse automatically. I followed up with Ally bank today and was told no it will not reverse automatically they will instead hold my payment for 10 days arbitrarily and mail a check. The Bank I sent the payment from XXXX offered to send any proof Ally needed to show the payment has cleared Ally refused and stood behind waiting 10 days to mail a check.
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

2017-03-29

Palm Harbor, FL

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

2017-03-28

Ridley Park, 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

2017-03-28

Clermont, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in 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

2017-03-28

PA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a new savings account with Ally Bank on XX/XX/2017. I applied online, this was my first transaction with Ally Bank. During the setup, to fund the new savings account, Ally Bank asked for my " other bank '' information, specifically the login ID and passcode to my other bank account with a credit union where the moneys were to be transferred from. Ally Bank also asked for the answer to my security question on record with the other bank. I provided that information to Ally Bank. I would like to find out : is it appropriate for Ally Bank to ask for my other bank login ID, passcode and security question answer as part of setting up a new savings account with them? I also would like to find out if this new savings account is legitimate. I am concerned that perhaps it was not Ally Bank I provided my other bank information to but a fraudulent entity. I believe I have a savings account with Ally Bank, Routing / ABA Number : XXXX, Account Number : XXXX, it was funded with a {$30000.00} transfer from my credit union checking account. The current balance is {$30000.00} with a {$2000.00} transfer in pending. Is this a legitimate Ally Bank savings 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

Disputed: No Timely Response

2017-03-27

Carnegie, 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

2017-03-27

Davie, 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

2017-03-27

Clayton, MO

Communication tactics

Debt collection: Auto

Used obscene/profane/abusive language
Complaint: The caller was yelling at me and continued to cut me off and kept raising her voice
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

2017-03-27

Jonesboro, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

2017-03-26

IN

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.
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

2017-03-25

Appleton, WI

Incorrect information on credit report

Credit reporting:

Information is not mine
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

2017-03-24

Grand Prairie, TX

Disclosure verification of debt

Debt collection: Auto

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

2017-03-24

Elgood, WV

Account opening, closing, or management

Bank account or service: Other bank product/service

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

2017-03-24

Bolingbrook, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-03-24

Phila, PA

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

2017-03-24

Memphis, TN

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I received two unauthorized charges on my debit card. XXXX has already flagged the account for fraudulent activity, and provided me an incident number : XXXX XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$130.00} XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$180.00}
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

2017-03-24

San Antonio, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2017-03-24

Charleston, SC

Disclosure verification of debt

Debt collection: Auto

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

Disputed: Yes Timely Response

2017-03-23

San Tan Valley, AZ

Taking out 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 monetary relief

Disputed: No Timely Response

2017-03-23

Tibbs, MS

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
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

2017-03-23

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.
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

2017-03-23

N Hollywood, CA

Incorrect information on credit report

Credit reporting:

Account status
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

2017-03-23

Val Verde, TX

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.
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

2017-03-22

Altamonte Spg, 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 non-monetary relief

Disputed: No Timely Response