ALLY FINANCIAL INC

2016-11-16

Gluckstadt, MS

Making/receiving payments, sending money

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 explanation

Disputed: No Timely Response

2016-11-16

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Ally Financial sent us a bill for {$190.00} for damage to a car returned after lease. We disputed the claim in writing. Ally never acknowledged our dispute and harassed us via phone calls and has now turned the claim over to collection agency, 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: No Timely Response

2016-11-16

Fort Huachuca, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.
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

2016-11-16

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed the problem.
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

2016-11-15

Alexandria, VA

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 monetary relief

Disputed: Yes Timely Response

2016-11-15

Ft Lauderdale, FL

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: Yes Timely Response

2016-11-15

Niantic, CT

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

2016-11-15

Three Bridges, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.
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

2016-11-14

Odenton, 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

2016-11-14

Arlington, 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

2016-11-13

Montclair, NJ

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

2016-11-13

Brant Lake, 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

2016-11-13

WI

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

2016-11-10

Warrenton, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX 2016 my vehicle was in a total loss accident. I called Ally Financial on XXXX XXXX to notify them that my insurance company had deemed the car a total loss. Unsure how the process worked and relying on Ally to guide me through the process. I was told there was a total loss department and asking to speak with them the agent told me she could not provide me with that number. Soon after I started getting calls from Ally to my work number calling 6 times in a row to collect payment. I then kept telling them the car was in an accident that I have insurance and gap coverage on the car. Ally reported me late to the credit bureau 's in XXXX for 30 days and in XXXX for 60 days. I was told by my insurance company on several occasions throughout this process they were waiting on Ally to send them a letter of guarantee. Here I am helpless with Ally while they have me in collection and reporting me late and the insurance company can not get a document from them. This is one of many examples of how my experience was working with Ally. I filed a XXXX complaint in XXXX. On XXXX XXXX I received a letter from XXXX XXXX in Executive Customer Relations. saying that have determined their reporting to be accurate, but as a courtesy they will escalate the concern and would follow up within 1-2 weeks. I never heard anything back. I have left several messages for XXXX XXXX with not one returned phone call. I receive a letter from Ally stating I owe them {$1200.00} which is {$500.00} for the deductible ; {$570.00} ( my auto payment ) they want paid by XXXX/XXXX/2016 and the rest is late fees. After receiving this letter I call in to Ally on XXXX to see if I can reach XXXX XXXX I was transferred finally to XXXX in the so called " Executive Customer Relations Department '' after waiting on hold for 35 minutes. I explained to him the situation he even " agreed '' that Ally should have handled this differently when I made the initial call to them on XXXX XXXX He even suggested waiving all fees other than the {$500.00} deductible but would have to be sent off for approval ( at this point I finally feel like I have gotten somewhere with them ) He gave me a reference number # XXXX. I asked if he had a call back number and was advised he could not provide me with one. I got a call today XXXX from a XXXX XXXX XXXX at Ally saying that he received MY request for a credit and Ally would not be waiving any charges and a request had been ONCE AGAIN submitted for review of my credit and should hear something in the next few weeks. I asked him where my response was from XXXX XXXX 's request in XXXX since i never got XXXX. He could not answer that. I explained this was offered by XXXX he then advised I would need to refer back to the " Executive Customer Relations Department '' by writing them. I am appalled at the professionalism of this company. I have been continuously passed off. All I asked from them was their help and not even could I get that. My account was in good standing with them up until this accident. My account with my new auto loan is in good standing. I am willing to provide any additional documents or information you need to assist with this complaint. Thank you for your time.
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

2016-11-10

Warren, RI

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: Yes Timely Response

2016-11-09

Jupiter, FL

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

2016-11-08

Yonkers, NY

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

2016-11-07

Billerica, MA

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: Yes Timely Response

2016-11-07

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Cont Case number : XXXX.XX/XX/XXXX, I reviewed my closed accounts with Ally.The reason I had to check my account was because my husband 's work had not had time to update the direct dep. infor in time to issue a paper check.After he could not track down his check which after XXXX was currently direct deposited into our joint checking account, his payroll told him to check his bank account.I checked my " CLOSED '' Ally account to find out that they reopened the account in order to receive his direct dep.! After spending hours on the phone with a supervisor on XXXX from Ally, and she telling me there was absolutely no way that my account could be reopened and after several transactions that were already declined by my account, Ally suddenly decided to accept my husband 's direct dep?! I spent valuable time on my work day ( s ) trying to understand why Ally had closed my joint and personal checking account ( s ) in the first place and now they suddenly reopened the account! What had happened in order for them to do this? After having been on the phone for hours with Ally the previous Monday, I was back on the phone on XXXX evening for their stupidity that is gravely effecting our family 's life. I called and spoke to a gentleman who took me through the rigemroll that I always experience with Ally.Customer service reps who lie and/or tell the customers inaccurate info. After hours, several holds and at the cost of our kids not being able to XXXX, the rep informed me that they had made a mistake.Ally would be sending our check via mail and it would take 7 to 10 business days! I immediately said I wanted to speak to whomever I could in order to transfer this money immediately. I said that I had institutions set up through this account so I could immediately transfer the funds into another bank and that would take 3 bus. days MAX! This was our money and how were we supposed to function? The rep placed me on hold again and told me that he had Ally place a rush on the check delivery and that we would receive the check in 3/4 business days. I agreed that would be fine but that I would check daily due to being lied to time and time again by Ally. The following day I saw that Ally had begun to deduct funds from whatever for my other accounts, I 'm still unclear as to why they made certain deductions but nothing was showing my account status changing.I noticed that I was able to transfer funds and clear up a negative balance that Ally was showing in my personal checking account that had been magically reopened again as well. By that time, I was convinced I had received inaccurate information from the customer rep I had spoken to on XX/XX/XXXX, so I immediately took action, and set up a transfer to have the remainder of our funds showing in our personal checking account sent to an outside institution. Ally set up the transfer and verified it ( document included ). I felt so relieved! My transfer was set up on XX/XX/XXXX and on XX/XX/XXXX, I received a paper check from Ally informing me that they had withdrawn the funds and how they had done everything with no charge to myself ( doc included ). Upon receiving the paper check, I checked my account status with Ally and saw that all accounts were closed.Done! just waiting on the resolution for my daughter 's account that initiated this chain of events. On XX/XX/XXXX, I also received an email confirming the close of my joint checking account ( doc enclosed ). On XX/XX/XXXX, I received a new email from Ally informing me that I had new correspondence. XX/XX/XXXX, I checked my accounts, thinking this had something to do with our ongoing dispute.Ally was charging me for the funds transfer I had set up and is now showing a balance of - {$1000.00} in my supposedly closed joint checking account. No funds have transferred to my outside institution and now, they reopened this account and have charged me an overdraft fee for {$25.00}
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

2016-11-04

FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Good afternoon I had a car loan with Ally Financial for a XXXX XXXX with XXXX XXXX. I refinanced this loan and now I have the loan with XXXX XXXX XXXX. The current lender sent an overage when paying the loan of {$110.00} I got the check from Ally after many requests ( check number XXXX ) and I deposited into a savings account of the new lien holder and they returned the check ( I deposited through the mobile app ) after the check was returned, I called XXXX to see what happened and they told me to try depositing it again and I did into my XXXX checking account and it was returned as well. It 's very disturbing that a multibillion company is giving bad check to the costumers. I never made a late payment and I complied with the contract to the letter I also called them and they told me to expect an answer in 6 business days
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

2016-11-04

Gloucester City, 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 XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 or the payments were misapplied.
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

2016-11-04

Tulsa, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.
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

2016-11-04

Warrenton, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this 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

2016-11-04

Mc Allen, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.
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

2016-11-03

Southfield, MI

Problems when you are unable to pay

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