ALLY FINANCIAL INC

2017-01-16

Hartford, AR

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank
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

2017-01-15

Greensboro, NC

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX 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

2017-01-14

Eldorado, 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

2017-01-13

Charlottesville, VA

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

2017-01-13

Muncy Creek, PA

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

2017-01-13

Queens, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have recently become a victim of fraud after having lost my wallet on XX/XX/2017 due to multiple unauthorized atm withdrawals that took place on my interest checking account. I have initiated disputes for the 2 unauthorized atm withdrawals through Ally Bank which comes to a total of {$800.00}. I have also submitted a fraud affidavit through the FTC which was attached to my disputes in support of the theft. I have reported my debit cards lost and requested new replacement debit cards. I have been told the investigation will be concluded within 10 days from XX/XX/2017. The loss of my wallet also resulted in theft of my NYS learner permit and social security card which also may take time to replace.
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

2017-01-13

Norwalk, CT

Taking out 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

2017-01-12

Jackson, MI

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

2017-01-12

Saint Augustine, 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 explanation

Disputed: No Timely Response

2017-01-12

Ft Wayne, IN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.
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

2017-01-12

Show Low, AZ

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 explanation

Disputed: No Timely Response

2017-01-12

Nashville, 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

2017-01-12

Scottsdale, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I finance a car thru Ally Financial on an 8.44 % rate. However, after reviewing my payments and total I believe they 're taking advantage of me and applying all payment to finance charge. I 've spoke to the rep and she has state they forecast charges therefore I must pay that interest. I was never late on this loan always paid as agreed however for 2016 I paid more in finance charge than what was applied to principal. Now I understand a high interest rate most payment would be applied to interest however on an 8.44 % rate my I should n't have paid more in finance charges than towards my principal. No one can explain this. I feel taken advantage of as a minority an XXXX XXXX Male. I have giving more money towards my payments to pay off early but none of my payments where applied to principal but to interest. I feel abused in this situation.
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

2017-01-11

Cleveland, OH

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
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

2017-01-11

Clear Lake City, TX

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

2017-01-11

Scottsdale, AZ

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!
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

2017-01-11

Lubbock, 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

2017-01-10

Beach, TX

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

2017-01-10

CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.
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

2017-01-09

Grand Prairie, TX

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

2017-01-09

Wakarusa, KS

Credit monitoring or identity protection

Credit reporting:

Receiving unwanted marketing/advertising
Complaint: I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into 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

2017-01-08

Boston, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I MAKE A PURCHASE, WITH MY DEBIT CARD, I NEVER GET THE SERVICE, I PAY FOR, I FILE A DISPUTE WITH ALLY BANK, THE OPEN THE THE CLAIM, THE SEND A NOTICE TO XXXX XXXX REFUND THE MONEY TO ALLY BANK, ALLY BANK NOW REFUSE TO CREDITE MY 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

2017-01-08

Rochdale, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the month.
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

2017-01-06

Bloomington, MN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Unauthorized inquiry and/or unknown company
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

2017-01-06

Hollywood, 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