ALLY FINANCIAL INC

2016-11-03

Portland, OR

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.
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

2016-11-03

San Jacinto, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our 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

2016-11-02

Pnte Vdra Bch, FL

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 with explanation

Disputed: No Timely Response

2016-11-02

Indianapolis, IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a state tax lien that was attached to my vehicle title in XXXX. This vehicle was being financed so the lien was a second lien. On XXXX/XXXX/XXXX the government lien was lifted from the vehicle. Ally has yet to send the title to the Indiana Bureau of Motor Vehicles to have the second lien removed. I contacted Ally by phone within 60 days of receiving the notice of the second lien being lifted yet not action was taken. On XXXX/XXXX/XXXX I used Ally 's online account messaging system to once again try to rectify this situation. To date I have not received any response.
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

2016-11-02

Maiden Rock, WI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!
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

2016-11-02

Wonder Lake, IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.
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

2016-11-02

MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.
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

2016-11-02

Charlotte, NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. I had a new card shipped to me, and have not heard anything about this since. That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? I was then placed on anoher hold, while the rep, called over to disputes again. So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. I will also obtain a re-finance and move my Car Loan someehere else. I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. Just wait. I will remain with XXXX!
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

2016-11-01

Pikeville, NC

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

2016-10-31

N Haven, CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. The account number in question is XXXX Thank you for your intervention. XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX
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

2016-10-31

North Olmsted, OH

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

2016-10-30

PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..
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

2016-10-30

Houston, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am disputing the validity of the Ally account listed on my credit report. Based upon the records provided to me by Ally, the last payment I made was XX/XX/XXXX. When I made the XX/XX/XXXX payment, the car was paid in full. XX/XX/XXXX, I actually paid several months of payments all at once. When the car was originally financed it was financed at O % interest with GMAC. I did n't make any additional payments after the XX/XX/XXXX payment because the entire balance should have been paid in full. I never received the title and refused to make anymore payments because I knew the car had been paid for in full. Please help!
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

2016-10-29

Macclenny, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today
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

2016-10-28

Newark, NJ

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 non-monetary relief

Disputed: Yes Timely Response

2016-10-28

VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Bought my car about 14 months ago. Was told my payments were going to be 360 and some odd cents through my local dealership. Anyways have been paying that every month. Was late a couple times due to some hardship but just four days ago my car got repossessed out of my driveway. I knew I had been making payments every month so I was confused and upset. My husband and I called ally bank the next day they told us that my payments were actually XXXX and because I " neglected '' to pay the remaining XXXX dollars on my monthly payments each month that they charged me an addition late fee of XXXX dollars or so every month I did n't make the " full payment ''. So because I had over XXXX dollars racked up in late charges they towed my car. Angry and upset I bit the bullet to pay it because I love and need my car. And clearly it was a huge miscommunication on my dealerships end verses us. Anyways regardless they should of tried to contact and let me know at least hey ur payment is n't XXXX it 's actually XXXX would of been nice instead of racking up late charges I did n't even know I had. So this was on XX/XX/XXXX my car got taken we call the next day they say we have XXXX days to make a payment or else they will take my care to an auto auction. I told them I needed a couple days to round up the XXXX ( mind you this is also the towing fees included in this too ) to pay them because it was basically going to take everything but I need my car so what can you do. I was trying everything in my power to not get my car sent to auto auction lot so I told them on the XXXX I 'd call back in a day or two to make the payment. Today is XX/XX/XXXX so two days on the dot I called to pay got the payment through only to find out they had moved my car to an auto auction lot and I now have to drive 6 hours away instead of 3 to go get my car. I was furious demanded to speak to manager kept getting transferrd here and every and everybody told me the same thing it was moved to the auto auction lot for ( storage ) purposes. And at any given point and time without payment they can move my car wherever they want. I told them look I have like no money left after my husband and I got paid I ca n't afford to drive 6 hours away just to get my car all because you got antsy and was hoping I would n't pay it. And now that I have paid it they 're rude to me and wo n't take my car back to the original lot. After I was on the phone for over and hour in escalations department they hung up on me because I caught them in so many lies it was n't even funny. I said I feel I should have to pay for these fees at all but I am anyways the least you could do is move it back to help me out a little bit but they did n't care. Told me it was too bad and if I want it towed back to original lot I can pay for it. Otherwise I just need to drive and get it cause I failed to pay before they decided to move it. So will never deal with them again and I hope they go out of business and every person working for them becomes unemployed because they are so disrespectful and unwilling to help when it was all over a HUGE miscommunication
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

2016-10-28

CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of 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

2016-10-28

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. When asked for licensing information I was told they do not provide that.
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

2016-10-27

Arlington, TX

Disclosure verification of debt

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

Not given enough info to verify 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

2016-10-27

Lafayette Hl, PA

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

2016-10-27

Hudson, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of 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

2016-10-26

Highland Park, 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

2016-10-26

Howell, NJ

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

2016-10-26

Birmingham, AL

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

2016-10-26

Dalton, MN

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 non-monetary relief

Disputed: No Timely Response