ALLY FINANCIAL INC

2017-03-07

Moapa, NV

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

2017-03-07

Country Club Hills, MO

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

2017-03-06

Fairfax, VA

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 monetary relief

Disputed: No Timely Response

2017-03-06

Franklin Lks, NJ

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 XX/XX/2015, 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. Also, if you look at the attached screen shot of my report, they are saying was late two months and that is true. On XXXX, they are reporting XX/XX/2015 30 days late and on XXXX and XXXX they are reporting XX/XX/2015 30 days late.
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

2017-03-06

MS

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.
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

2017-03-05

Bolingbrook, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

2017-03-04

San Gabriel, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.
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

2017-03-03

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

2017-03-02

Kansas City, MO

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

2017-03-02

Greenwd, IN

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

2017-03-02

Fort Worth, TX

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

2017-03-02

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.
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

2017-03-02

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.
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

2017-03-01

Fontana, CA

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

2017-03-01

Bel Alton, 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 explanation

Disputed: No Timely Response

2017-03-01

Waterbury, 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

2017-03-01

Appleton, 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

2017-03-01

Cutlerville, MI

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

2017-03-01

Dallas, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. I want their inquires removed.
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

2017-02-28

Buffalo, NY

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 non-monetary relief

Disputed: No Timely Response

2017-02-28

Bolingbrook, IL

Loan modification,collection,foreclosure

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

2017-02-28

San Pedro, CA

Deposits and withdrawals

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: No Timely Response

2017-02-28

MA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.
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

2017-02-28

FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a XXXX with Ally up until XX/XX/2016. After returning the vehicle in 'mint condition ' ( according to the dealership which inspected my vehicle before the lease ended to check if they wanted to buy it in order to get me a great deal on a new car, but it was going to be too expensive for them since it was in great shape ) I received notifications from Ally that I owe them {$650.00} for 3 (! ) new tires because they were run down. This claim came as a big surprise to us since I personally measured the tire thread with the provided tool before lease end to make sure we wo n't get billed afterwards ( after all it would have not been that expensive to replace worn down tires with some that would have passed the inspection if this would have been the case! ). So after offering an independent inspection which they turned down because they claimed that they had already sold the car at auction I requested the proof that they actually had to put 3 new tires on that car before they sold it which of course I never received! They kept referring me to the pictures of their inspector ( which could have been from any vehicle since they only showed close-up frames ) which I refused to accept since and I never had even one of the tires renewed, so this must have clearly been a mix-up or intentional fraud ( they also included a minor damage in the windshield which was covered but I do not recall wholes in the windshield at all! ). Turns out all my pleas were a waste of time! After spending hours on the phone with them I finally sent a letter to them including my dispute in XX/XX/XXXX. After still only receiving account payment reminders I went back on the phone and then they told me that that was an informal dispute which was turned down internally ( which they never notified me about! ) and that I have to mail a formal dispute if I still disagree with the charges, so I did that ( this time via certified mail! ) on XX/XX/XXXX. After still only receiving account notifications I yet again went back on the phone in XX/XX/XXXX and was told they never received my letter! Of course I told them I have the receipt of the certified mail and that is says that it was delivered just fine but all they did was to tell me that I should send an email. So I did that on XX/XX/XXXX and again on XX/XX/XXXX but the only thing I am still receiving is 'urgent account reminders ' ... This is a which hunt - I am shocked that a company like Ally can pull something like this off without acknowledging my concerns one single time in almost 6 months now ... That being said this is a matter of business ethics - it 's a fraud that leaves me as the consumer powerless. Not once have they acknowledged the problem or tried to work with me. I only keep hearing back from them with regards to the unpaid balance and that they are willing to work with me in paying the 'owed amount ' off. If I had the option to make this go away today by donating this bogus amount to my local XXXX I would n't hesitate for a second, but I refuse to be a victim of a fraud like this ... Please advise and help!!! 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

2017-02-27

PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra fees.
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