ALLY FINANCIAL INC

2017-01-25

LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT
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

2017-01-24

Bloomington, MN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.
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

2017-01-24

Aurora, CO

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

2017-01-23

Carrollton, GA

Deposits and withdrawals

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

2017-01-23

Boston, MA

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 explanation

Disputed: No Timely Response

2017-01-23

Greenwood, CA

Account opening, closing, or management

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

2017-01-23

Indiahoma, OK

Shopping for a 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

2017-01-23

Orion Twp, MI

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.
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

2017-01-22

Little Rock, AR

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

2017-01-21

Una, SC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through
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

2017-01-20

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: In regards to my closed, paid in full Ally Financial LEASE account. I contacted this company several times regarding an error that was placed on my credit reports. Initially, Ally Financial was reporting this account derogatory information on a account that was in excellent standings. When they corrected the retail account they inaccurately added information on my lease account. I contacted Ally and informed them of their error. This time they removed the lease account from credit report. Note : Ally removed the account not the credit bureaus. A XXXX months later the negative account was added back to my credit reports. After seeing the significant drop in my FICO score, I submitting a " goodwill letter '' asking Ally that since my LEASE account been closed for years if I could be forgiven for the late payment. My request was denied. So I waited a year later and submitted another " goodwill letter '' and in addition, I spoke with an Ally Financial Representative and the derogatory account was removed from my XXXX and XXXX XXXX reports. But not XXXX. I waited 2 months and since it was still showing on XXXX, I contacted Ally Financial. This time I spoke with a representative named " XXXX ''. I can tell she became agitated with me because she keep saying that Ally Financial does not grant " goodwill '' request. When I informed he that it was removed she stated " Well, it should n't have '' and that she have to look more into the matter. XXXX days later, my credit monitoring alert reported " derogatory account '' added. Once again my credit score took a significant drop for a late that was over XXXX years ago. I contacted Ally and explained how XXXX 's retaliatory action is impacting my credit score as a " new '' derogatory account. They continue to tell me someone would call me back. No one calls and/or answers my letters. I would like to know how is it that one Ally Representative granted the " goodwill '' request then another comes an reversed it. Not based off of something I DID WRONG to the account because by this time the account was closed and paid in full since XX/XX/XXXX? To this very day, although, I have never been late on the new Ally retail account ( which is closed and paid in full since XXXX XXXX XXXX and the old Ally late almost 4 years ago, I was denied a loan in XXXX XXXX and XX/XX/XXXX due to a new derogatory account added in XX/XX/XXXX. It should be noted that Ally Financial Lease account is the ONLY negative and/or derogatory account on my all credit reports. I contacted all three bureaus and they informed me to contact Ally. I contacted both lenders who denied me and they informed me that the old account is reading as " late payments within the last XXXX months ''. I have the adverse action/ denial letters ( Denials received XX/XX/XXXX and XX/XX/XXXX ). It appears that when Ally re- added the XXXX account they submitted as a new derogatory account. Instead of having an impact of a nearly XXXX year old late payment I am being impacted as a recent late payment. Which is inaccurate. If Ally Financial is going to take back their " goodwill '' approval then the account should reflect and have the same impact as a XXXX year old late not re-aged like a new late payment added in XX/XX/XXXX. PLEASE NOTE : THE ALLY FINANCIAL LEASE ACCOUNT DOES SHOW LATE PAYMENT BACK IN XXXX. HOWEVER, BOTH RECENT DENIAL LETTERS " LATE PAYMENTS WITHIN XXXX MONTHS ''. I am requesting that Ally Financial immediately correct how this old lease account is sending a signal as a newly added derogatory account. If this account can not reflect and/or impact my credit report the same as a nearly XXXX year old account should then the lease account should be removed completely. It should be noted that prior to XX/XX/XXXX, I was approved for XXXX credit cards with XXXX and XXXX credit balances. All loans and XXXX no lates since XX/XX/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

2017-01-20

Van Nuys, CA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..
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

2017-01-20

Tucson, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
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

2017-01-19

Saint Petersburg, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
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

2017-01-18

Maywood Park, OR

Deposits and withdrawals

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 non-monetary relief

Disputed: No Timely Response

2017-01-18

AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.
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

2017-01-18

Murray, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I receive XXXX to XXXX phone calls from this company daily. My phone number is a business phone number. This is not my 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

2017-01-18

Santa Barbara, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
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

2017-01-18

Rock Hill, MO

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

2017-01-18

Rochester, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!
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

2017-01-17

Amsterdam, NY

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

2017-01-17

Rockwell, NC

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.
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

2017-01-17

Quartzsite, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.
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

2017-01-17

Discovery Bay, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.
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

2017-01-16

Tulsa, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.
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