ALLY FINANCIAL INC

2016-12-28

NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?
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

2016-12-27

Manhattan, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-12-27

Bremerton, WA

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

2016-12-27

Clinton, 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

2016-12-27

Euclid, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My wife and I purchased a XXXX XXXX in XXXX XXXX with Ally Financial holding the lien. We recently experienced severe issues with the car and it is not longer safe to drive. We can not afford to make repairs or payments on the car and XXXX XXXX or XXXX we said to just take the car from the dealership and to we letting them repo the car. We gave all the contact information over. Since that time we have gotten calls everyday demanding we speak to them and they are denying any record of our call about the voluntary repo. In addition we had tried to adjust the terms of the loan on multiple occasions and had no luck. Finally we think the van in question is a lemon.
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

2016-12-26

Rocky Ridge, 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

2016-12-24

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-12-24

Rochdale, NY

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges
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

2016-12-23

Charlotte, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.
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

2016-12-23

Key Biscayne, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I have XXXX hard hit inquiries on my XXXX Credit report by Ally Financial that I do n't recall requesting credit from them.
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

2016-12-23

Tarzana, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We had a loan with Ally. While my husband was XXXX XXXX military and XXXX Ally illegally repossessed our vehicle without trying to assist us with making payments. They violated federal laws that protect service members while 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

2016-12-22

Douglasville, GA

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

2016-12-22

Davie, 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 non-monetary relief

Disputed: Yes Timely Response

2016-12-22

Staten Island, 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

2016-12-21

Calico Ridge, NV

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: No Timely Response

2016-12-21

Cleveland, OH

Other

Credit card:

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

2016-12-21

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 explanation

Disputed: No Timely Response

2016-12-21

Inglewood, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX. In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not! I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance. At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me. I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?
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

2016-12-21

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: THIS COMPANY DOES NOT LISTEN. I HAVE SAID TO PLEASE NOT CONTACT MY FAMILY, RELATIVES, ETC. AND THEY STILL DO. THIS IS EMBARRASSING AND CONTINUES TO OCCUR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-12-21

PA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Repeated calls to our home, and both cell phones from this number claiming to be ally credit ( my husbands car leasing company ) for a few days and then XX/XX/XXXX they called all three numbers within seconds. Gave false information and wanted our loan and or social security number when I returned called them. When I questioned them they gave false information on who they were and I reported them to the fraud dept of Ally bank but they are harassing consumers and need to be stopped. They are calling from XXXX and telling me their call back number is XXXX both numbers are NOT ALLY bank numbers. The supervisor game me false information XXXX ID # XXXX. I called them back to stop the harassment. These numbers are now blocked from my home and cell phones but they are trying to scam.
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

2016-12-21

Albuquerque, NM

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to 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

2016-12-21

Soquel, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed a vehicle through Ally Financial in 2016. I made my first payment on XX/XX/2016 which was not due until XX/XX/2016. In addition to the scheduled payment I made an additional payment to be applied to principal. However, the additional payments keep getting applied to the future monthly payment instead of the principal balance. I 've called Ally and spoken to customer service and a manager. Each time I get assured that the account will be updated and that future excess payments will be applied to principal. However, this is not occurring, I have to keep calling each month to make sure that they apply the excess payment to principal. My account transaction history is a mess because of so many reversals and postings. The account running balance is not displayed in the transaction history. I believe that Ally 's practices are illegal because by applying the excess payments to the future payment instead of the principal they get away with collecting a higher amount of interest based on a higher balance.
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

2016-12-21

Inglewood, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I am writing to you because of some concerns that I currently have with Ally Bank. In XXXX, I purchased a XXXX XXXX XXXX XXXX truck. I was working full time and I had a part time job as well. In XXXX, I was laid off from my full time job that I had since XXXX. I still had my part time job and I received a severance check which held me over until I received another full time job within the same organization as the part time job. That full time job did not come until XXXX. In XXXX, due to operational changes within that dept. and the organization, I lost that full time job as well. I again, received a severance package and in addition to getting extensions on my auto loan, was able to make payments on time and keep the account in good standing. I again, got a full time job in XXXX but by that time, had almost exhausted all funds from the severance check. I kept my auto loan in good standing until XXXX which is when I tried to catch up on other bills that I casted aside to keep my auto loan in good standing. When I called Ally at towards the end of XXXX to get XXXX LAST extension, they said that I had used all extensions and that I did n't qualify for any more this year ... AND all I needed was XXXX more to keep the account in good standing, avoid all of the late fees that my account has incurred since then and to avoid the situation that I 'm in now! Ever since XXXX, I have made consecutive late payments, some greater than 30 days, all while trying to pay off student loans and trying to keep my other bills current. I have made Ally my biggest priority, but as of the past month, I have not been able to catch a break from them! Fast forward to XXXX XXXX, XXXX. I have had at least XXXX5 phone calls a day for the past month and that 's after I have called Ally myself to explain my situation and to make payment arrangements. I have not changed my story as to why I have made late payments since XXXX and the customer service representatives have continuously notated it in my account since that time. On XXXX XXXX, XXXX, I received 3 phone calls from Ally Bank- XXXX at XXXX, another at XXXX, and the last XXXX at XXXX and that call was the most alarming. A customer service rep by the name of XXXX, left me a message asking me to return the call at my earliest convenience. I could n't make out the number that she left in the message so I called the number that showed up on my phone and was transferred to her line. After continuous notes in my account about the payment plan that I had setup and why the account was late, XXXX asked me the same questions and I told her the situation and what I could do and by when! Well that was not to her liking and she told me that I did n't have any other options but to pay {$320.00} or have the vehicle repossessed. In XXXX, I was told by a customer service rep that if I missed XXXX payments, the vehicle would be repossessed. I have missed XXXX payments and by XXXX XXXX, XXXX, which is when I told them I could make a payment of {$450.00}, would cover XXXX 's payment which I paid {$100.00} towards on XXXX XXXX, XXXX. I also told them that I would have the account current by XXXX XXXX, XXXX. XXXX told me that XXXX XXXX, XXXX would be too late to do anything and that I had until XXXX XXXX, XXXX to make the {$320.00} payment or they would take the car back. Here I am trying to make ends meet and make things work with Ally and they wo n't cut me a break. A company that received $ XXXX in government bailouts is threatening me to take back the vehicle if I ca n't make a payment of {$320.00}. They have completely ignored the good standing my account was in until XXXX. I never had a missed or late payment and now they are harassing me every day it seems like! All I 'm asking is that they at least give me until XXXX XXXX, XXXX to make the {$450.00}!
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

2016-12-20

San Francisco, 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

2016-12-20

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My wife and I had XXXX vehicles that were both damaged in a series of hail storms that blew through our area back in XXXX. The damage was enough to total out both of our vehicles. Getting everything sorted out on my truck was easy - XXXX XXXX had a great process that took all of like 2 weeks to sort out from start to finish. My wife 's car, financed through Ally Auto, was a total nightmare. My account was placed in their version of lock down ; I could n't get anybody to talk with me and the people I did speak with were unable to give me any details. This was an issue as I had a ticking clock to get my XXXX insurance ironed out. Around late XXXX, I was escalated to their 'Executive Customer Relations ' team to try and get everything fixed up. At the same time, I was also chatting online with their chat representatives just hoping to get some answers. Neither department was able to assist me in any real way. I had requested some simple documents from them - stuff like company letterhead with my account number and the address to remit payment to. They were n't able to even provide that! Just as frustrating, the ECR team would take weeks at a time - with me emailing almost daily - between responses. After some seriously frustrating phone calls ( and about a month ), the ECR team finally managed to send all of my required documents to my GAP insurance provider. During that month long span, I was still getting on Ally 's chat service and trying to track down the documents myself. Part of that involved asking questions that this rep did n't want to answer. So, he kicked me out of the chat service in the midst of our discussion. My login session had expired so I tried to log back in a few minutes later to reengage in the conversation. Imagine my surprise when I get an alert that said I was locked out due to too many incorrect login attempts! Even more surprising because I had saved my password on my computer ; had n't typed out my password for MONTHS with no problem. At this point, I also asked ECR about why the heck this was going on ; I was informed that there was no attempts to lock me out, it was just an automated procedure that kicked in. It all seemed to coincidental - and erroneous due to the type of error I received. They stuck to their guns though - and were quite rude through this whole process. I got fed up with dealing with the ECR team and managed to find contact info for several executives in the organization. I passed along all email threads and asked for them to look into it. After much back and forth, it came to light that it was NOT an automated process that had kicked in. Rather, it was incorrect password attempts - as I had been saying since day XXXX. Whenever this came to light, the individual I was speaking with, XXXX XXXX, started threatening lawyers as a way of strong arming me into staying quiet about the whole issue. This whole situation was n't entirely unfruitful though. I finally managed to find my payoff amount. In XXXX. 7 months after I started the process.
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