ALLY FINANCIAL INC

2016-12-07

Lewisville, 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

2016-12-07

TN

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.
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

2016-12-07

Bedford, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment 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

2016-12-06

Fairburn, GA

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

2016-12-06

LA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX
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

2016-12-06

CO

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.
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

2016-12-05

Hilliard, OH

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: Yes Timely Response

2016-12-04

Christmas Vly, OR

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
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

2016-12-03

Boston, MA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: On XXXX XXXX, XXXX at XXXX XXXX repossessed my XXXX XXXX XXXX under the direction of XXXX XXXX . When I called ally I was redirected to the accounting department. There I spoke to XXXX XXXX In the accounting department. She advised me. Ally wanted my exsize taxes early. They did not want to wait until the end of the lease, and since they could not legally hit my credit ; they held my payments for ten days, and rejected them. If I wanted to retain my vehicle I had to pay the excise taxes and the cost of repossession. When I reminded XXXX XXXX of my lease agreement, section XXXX paragraph XXXX, she stated regardless of what my lease says, they really expect those fees to be paid sooner than the printed agreement. I advised XXXX XXXX if that 's the expectation, they should put the expectations in my agreement. I also advised XXXX XXXX, the bank is illegally seizing my vehicle. The bank knew I was a contractor when I spoke to XXXX XXXX. I provided names of all temp agencies, dates of employments, contact persons, numbers, etc. I provided the name of the college in which I attend, and he understood why there was always a lap throughout the year. Why I am able to retain employment within a month or two. The bank has had plenty of opportunities to repossess the vehicle. I went on to say I found it interesting that a month after I advised the bank I would be suing for the ongoing harassment. The bank decides to reposse my vehicle. XXXX XXXX Operations manager ordered a " Do Not Call after investigating the reports of harrassment the resulted in my terminiation back in XXXX by XXXX XXXX . XXXX XXXX used threats and force to cohorse a payment which resulted in the loss of my job. She advised me if I did not make an additional payment of {$500.00} by XXXX she would reposses my car. I told her I would not have it by XXXX, but I get paid on friday, she can have it then. She told me no. No one helped her when she was sick, so she is not going to help me. It 's called life! XXXX or the car is being repossed. I went to my supervisor, and I asked to leave to figure out how and who I can barrow {$500.00}. from I got a call from the staffing agency thirty minutes later stating I was fired. XXXX XXXX is the same supervisor that oversees XXXX XXXX and XXXX XXXX, that engaged in the same harrassment in XXXX leading up to the reposession in XXXX when I was terminiated from my position at the bank. XXXX XXXX was fully aware agents were still calling my home, work, and personal cell phone number. She acknowledged the do not call was still very much active, and that agents should not be calling. She would consistently apologize, but nothing was ever done to prevent the calls. When I would return the calls agents would refuse to transfer my calls. Communicating with the bank was impossible at times. From poor documentation, to agents refusing to transfer your calls. They would say things like I do n't have anyone here by that name. I have over XXXX employees. When you give them a location and an extension they refuse to search for it. Then your account manager would say things like you have not returned my call. Well I know you can see the last agent in my account, down in michigan, which means i know you can see I returned your call. The agent refused to transfer me to you. You can never get to who you need to speak to without going through a hassel. If you communicate online they just redirect you to call.
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

2016-12-01

Foothill Ranch, CA

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

2016-12-01

Keizer, OR

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 monetary relief

Disputed: No Timely Response

2016-12-01

Plymouth, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments
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

2016-12-01

Fort Mohave, 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

2016-11-30

Brooklyn, NY

Customer service / Customer relations

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

2016-11-30

Blmgtn, IN

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

2016-11-30

Alexandria, VA

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: Yes Timely Response

2016-11-30

E Saint Louis, IL

Account opening, closing, or management

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

Disputed: No Timely Response

2016-11-30

Fort Lauderdale, FL

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

2016-11-30

Oakland, CA

Account opening, closing, or management

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

2016-11-30

Middletown, CT

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

2016-11-30

S San Fran, CA

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

2016-11-30

Warrenton, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.
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

2016-11-29

PA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.
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

2016-11-29

TN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
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

2016-11-28

Vernon Hill, VA

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