ALLY FINANCIAL INC

2017-03-22

Arlington, TX

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

2017-03-22

Arco, CA

Problems when you are unable to pay

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

2017-03-22

Hanceville, AL

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

2017-03-21

Phoenix, AZ

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: Yes Timely Response

2017-03-21

Billerica, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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

2017-03-21

Kalamazoo, MI

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

2017-03-21

Pearland, TX

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

2017-03-21

Portland, OR

Making/receiving payments, sending money

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 explanation

Disputed: No Timely Response

2017-03-21

Erie, PA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
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

2017-03-21

TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally has not responded to resolve the discrimination complaint of XX/XX/2017. ref # XXXX Based on the response from Ally, XXXX, of XX/XX/2017 It is apparent that further investigation is warranted into the policies and practices of Ally used to determine credit worthiness. This XX/XX/2017 response from Ally is ambiguous, appears to be in conflict with itself, and is potentially misleading. Nowhere in this response is there supporting information that one can conclude Ally has not acted within a posture of age discrimination to determine credit worthiness. Simply reiterating a statement that " Ally takes claims of discrimination very seriously '' does nothing to support that Ally has not acted in just such a posture. Indeed, the lack of specificity and clarity begs the question. What is the criteria, specifically, which Ally would have approved this TOE? Income? How much? Use of available credit accounts? Be specific. Available cash on hand in a bank account? What exactly are those quantifiable " merits ''? My credit history reflects an unblemished credit score of XXXX and a practice of XXXX balancing credit card statements every month for years. Surely this must have some weight in the formula for credit worthiness. Further, please elaborate and explain the portion of the statement referring to the credit inquiry made in XX/XX/2017 that reads, " since we did not use the accurate information upon receipt of your TOE application ''. Ally has not and did not request or receive any additional information from myself since the initial mailing of the Ally TOE application of XX/XX/2017. Ally did not have " a permissible purpose '' to access my credit report in XX/XX/2017 in connection with evaluating the Ally TOE application. Additionally, the XX/XX/2017 letter to CFPB states that " an 'accurate ' declination letter will be mailed to you under separate cover at the address on the application indicating the reasons for our decision ''. This letter has not been received. Waiting for this letter to show up has caused yet further delay in my responding herein, and with each day of delay from Ally, it costs me more money to pursue the acquisition of a vehicle not to mention the induced frustration. The letter that Ally did XXXX mail to me under separate cover is a copy of the letter sent through the CFPB complaint system. Yet again, one can see how the Ally response letter is fraught with ambiguity. For the reasons stated above, I hereby demand that Ally, immediately, remove the unwarranted credit inquiry made in XX/XX/2017 so as not to further delay and constrain my vehicle acquisition initiative and promptly notify me through the CFPB complaint process when this action is taken. It is my sincere hope that future communications from Ally do not lead to more granular questioning, costs, and further, damaging time delays. Please include the CFPB in ALL communications. Sincerely.
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

2017-03-20

Ocean City, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.
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

2017-03-18

AR

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.
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

2017-03-18

Mountain View, OK

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: I had a collection filed on me for a loss of the car it says that it was charged off years ago but it showed back up as collection.
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

2017-03-17

Auburn, GA

Shopping for a 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

2017-03-17

Wascott, WI

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

2017-03-17

Greenbrae, NV

Account opening, closing, or management

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 non-monetary relief

Disputed: Yes Timely Response

2017-03-17

NJ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!
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

2017-03-16

Bowie, MD

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 monetary relief

Disputed: No Timely Response

2017-03-16

Bethlehem, CT

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

2017-03-16

Daniels, MD

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 explanation

Disputed: No Timely Response

2017-03-16

CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.
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

2017-03-15

Leoma, 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

2017-03-15

Wann, OK

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

2017-03-15

Phoenix, AZ

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

2017-03-15

Mount Holly, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I contacted ally financial on Monday XX/XX/2017 before XXXX. I advised the representative that I had listed my car for sale on Sunday XX/XX/XXXX and had an interested party. I advised that I would need to be able to transfer the title should the decide to purchase ( which they did ). The rep advised on the phone that if I used certified funds to pay the car off, that they would release the lien and send me the release within 24 hours. They would overnight XXXX the lien release to me if I provided my own XXXX account to absorb the charges. The rep also advised that if I sent the money XXXX, they would post it within 2 hours and send the release the next day. I stressed that time was of the essence as I had a business trip planned for Thursday XX/XX/XXXX and I needed to be able to deal with this before I left. While at the bank, they advised me against XXXX and into a cashiers check, We called Ally on Speaker phone and asked if I overnighted the certified funds, would they post them that day and send the lien release. They cited they would. I issued a cashiers check for XXXX $ MORE then the payoff amount to ensure all per diem was covered to Ally Financial and overnighted it to address provided by the rep which was Payment processing center, in XXXX KY. The package was received Tuesday XX/XX/XXXX at XXXX and signed for by XXXX. I received email notification of the delivery and immediately called to verify. I was advised that it could take 24-48 hours to post but they would send the lien release right away once it posted ( Already deviating from what I was told on XX/XX/XXXX ) I again stressed that I 'd used my savings to make this payment and time was of the essence. I called on XX/XX/XXXX, and the payment had been posted, I immediately requested the release of lien, I was assured I would receive it, I reconfirmed my XXXX account number for them to send it. I received no notification that day that a shipment had been scheduled under my account. I called back on XX/XX/XXXX, after rescheduling my business trip to try to accommodate the buyer of the car. Rescheduling effected me financially causing me to lose almost 1k . On the XX/XX/XXXX they advised that it could ACTUALLY be 24-48 business hours. I still called again on XX/XX/XXXX in hopes of getting it sent out Friday. Again I was advised 24-48 business hours but was told that 24 business hours had passed so that meant if they did n't get it out on Friday, that it would be released Monday. Monday came, I called again, seeing nothing hit my XXXX account, they advised it had not been sent and the previous request had been cancelled ( for an unexplainable reason ) and I would have to wait AT LEAST another 24-48 business hours. I advised this was UNACCEPTABLE as the payoff had long been posted, and I HAD to leave Wednesday XX/XX/XXXX for the rescheduled business trip and that if I did n't transfer the car prior to Wednesday at XXXX my buyer would back out. And I would be out the money I used to pay off my car. Tuesday, XX/XX/XXXX I called again, explained the story yet again. I was advised that they would FAX me a lien release before XXXX EST. This was around XXXX. At XXXX I check the fax machine in my landlords office, No Fax. I called back, I was again given the run around about offices being behind, Snow storms, and other excuses. Ally 's website CLEARLY states that if you send certified funds, they will send the release with in FOUR business days of RECEIPT of the payment ( see attachment from their website ). We are well past 4 business days of receipt. We are past 4 business days of posting. This situation has cost me now thousands above and beyond the cost of the payoff in lost work, rescheduled trips, and other hardships related to my inability to purchase a new car since this one is n't released yet, which is going to leave me w/o a car for work
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