ALLY FINANCIAL INC

2017-02-27

Toppenish, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/XXXX16 I was involved a MVA. Subsequently my vehicle was totaled on XXXX16 due to the amount of damage. I notified ALLY Financial on XXXX16 of the incident because I knew I would need to gather documents from ALLY Financial for my insurance company. I also had GAP insurance provided for my GAP coverage. I had been requesting the required documentation from ALLY Financial for 6 weeks so I could get my claim completed with XXXX regarding my GAP coverage. ALLY Financial finally informed me after I placed several calls over the course of 6 weeks that they would not send the required documentation to XXXX because they were considered a 3rd party. NOBODY from ALLY Financial had relayed this information to me until almost 2 months after my claim process had begun. Now I am having to pay an excessive amount of daily fee 's and interest because the date of accident was on XXXX16, and ALLY did n't get the required documentation to my insurance providers in a timely manner. I do n't feel I should have to pay the excessive fee 's for the daily rates they are charging me because of their lack of communication and failure to get me the documentation I had been requesting.
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

2017-02-27

OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.
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

2017-02-27

Northside, NC

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. We are good consumers working with you and want to have the account closed. Please advise. This is my second email request. Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. What is next to dispute a small dollar amount. Calls start very early and go late at night. XXXX XXXX XXXX
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

2017-02-25

Gloucester City, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a car financed through ally bank for my daughter loan # XXXX te the car was totaled in an accident in XX/XX/XXXX. the car was insured through XXXX and the loan had gap insurance through XXXX. XXXX paid Ally bank {$12000.00} the book value of the car, Ally than made a claim to the gap insurer of {$4400.00} The full amount was paid by XXXX. I called Ally spoke to someone in customer service to confirm they received both payments and was advised yes and told " do n't worry XXXX the loan is PIF " I never received any additional monthly statements after that until 4 months later in XX/XX/2014 I received a letter from Ally claiming I was in default of my loan and that {$290.00} was 120 days past due. When I called Ally Bank to find out what this was about they told me that the GAP insurance did not cover the late charges when I asked what months and amounts were the late charges for after holding for 19 minutes the girl said there are NO late charges on the loan and see transferred me to the asset recovery unit after explaining the entire story all over he said I do n't have anything to do with your car it is not out for Repo ( NO KIDDING ) I called back and asked to speak with a manger and told that woman the entire story all over again and she said " well the gap insurance did not pay what they were supposed to " they never do '' I called the gap insurer and confirmed they paid the exact amount demanded from Ally Bankd {$4400.00}. I called back Ally told the same story one more time and was advised this amount was interest due on the loan I asked how that could be and interest for what months and the girl told me it was for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2014, when I asked how could that be when the loan was PIF in XX/XX/2014 she said you need to speak with a manger and all she could do is take my information and a manger would call back in 24 hours I 'm still waiting. I have contacted Ally Bank and the collection agency they hired server times but as I said I 'm still waiting for a call back. clearly they put the insurance funds in some type of suspense account rather than apply them to the loan which caused additional interest to accrue until they reconciled the account. This is being reported on my credit as a charge off which caused me real harm this month when I went to purchase a new car and caused me to have to pay a subprime rate.
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

2017-02-25

Garrett Park, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..
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

2017-02-25

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My mother opened XXXX IRA accounts at Ally Bank in XXXX. I helped her complete and submit the paperwork to the bank at that time. The paperwork provided the names of the beneficiaries and the percentages due to each beneficiary upon death of my mother. My mother passed away on XXXX/XXXX/XXXX. Since early XXXX I have been struggling with Ally Bank to recognize me as the Executor of my mother 's estate and to speak with me about the balances in the accounts. Over the past 2 months, I have placed over 20 phone calls to the bank to resolve issues that they have created, including distributing an RMD to my deceased mother in XXXX of this year. Each issue until today has been frustrating but ultimately resolved. Today however, the issue is egregious because it has caused financial harm to me and it is the reason why I am filing this complaint. Ally Bank informed me in XXXX that they would not transfer the proceeds of my mother 's IRA accounts until all paperwork was received by the beneficiaries. However, on XXXX XXXX, XXXX, they began to transfer the proceeds starting with my portion. On XXXX XXXX, they transferred another portion to XXXX of my siblings. The amounts that were transferred to each of us were different. When I calculated what should have been transferred based on the percentages my mother allocated in the documentation provided to Ally, I determined that calculations were incorrect. I called Ally Bank to ask them how they arrived at the figures that were distributed. The manager, XXXX XXXX, stated that the operations department decided on the amounts to distribute to me and my siblings because there were no instructions provided by my mother. He stated that the amounts in my mother 's accounts were divided by XXXX and we each received our portion. My problem with this is three-fold. One, Ally Bank told me in XXXX that they would not transfer any proceeds to beneficiaries until all of the required paperwork from each beneficiary was received. Two, my mother provided specific percentages that each beneficiary was to receive, but the bank did not follow the explicit instructions provided by the account owner. Three, if the bank had indeed transferred the balance in XXXX equivalent portions, the amounts would have been the same, but they were not! In fact, the amounts that have been transferred so far are less than one-third of the balance that was in each of my mother 's accounts as of XXXX XXXX, XXXX! This is a serious issue because I am personally entitled to 34 % of the balance in my mother 's accounts but I only received 33.04 %. XXXX of my siblings received 33.06 % and the balance left in the accounts represents 33.9 % of the total!! The difference between what I should have received and what I did receive is approximately {$2100.00}. I realize that this may seem like an insignificant amount, but the issue is n't the amount. The issue is that Ally Bank is not following its own internal procedures, is not following the instructions provided by account owners, and is transferring incorrect amounts to beneficiaries.
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

2017-02-24

Mountain View, OK

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

2017-02-23

Toledo, OH

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

2017-02-23

OH

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Calling four times a day EVERY DAY after I told them not to and that it was excessive. I have spoken to them more than once about this.
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

2017-02-23

Forney, 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

2017-02-23

Wesley Chapel, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.
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

2017-02-23

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
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

2017-02-22

NJ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-22

Bremen, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount
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

2017-02-22

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
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

2017-02-21

Tulsa, OK

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 non-monetary relief

Disputed: No Timely Response

2017-02-21

Flushing, NY

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: No Timely Response

2017-02-21

Key Biscayne, FL

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: Ally continues to contact my cell phone asking for information on a relative. They have contacted all of the cell phone numbers in my plan and continue to do so after have been asked several times to cease communication.
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

2017-02-21

Allenwood, 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 as of XXXX 2016 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

2017-02-19

KY

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Copies of the contract and correction letter are attached to this complaint.
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

2017-02-19

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.
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

2017-02-18

Cleveland, OH

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

2017-02-18

Fortuna, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
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

2017-02-17

Roxbury, 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 explanation

Disputed: Yes Timely Response

2017-02-16

Miami, 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