ALLY FINANCIAL INC

2016-10-26

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.
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

2016-10-26

Arco, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.
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

2016-10-25

Atascocita, TX

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 non-monetary relief

Disputed: No Timely Response

2016-10-25

Brandon, FL

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: No Timely Response

2016-10-25

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: Yes Timely Response

2016-10-25

Brooklyn, 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

2016-10-25

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX/XXXX/16 I faxed my daughter 's information concerning an on-going dispute on her account to Ally bank.My daughter called Ally on XXXX/XXXX/16, to find out if she needed to send more information and the status of her account.The Ally representative informed her that they had received the fax regarding her dispute and of additional documents she needed to fax/send in order to complete it and informed her that a deposit needed to be made into her account to bring it into the positive within the next 10 business days.I advised her that it might be best to transfer the funds from my outside bank account rather than deposit her checks as echecks due to the processing.She agreed.On XXXX/XXXX/16, I awoke and purchased a coffee with my debit card from my personal Ally account and it was declined twice.I did not have my phone with me so I was unable to check my account until I returned home.Upon returning home, I proceeded to check my Ally account to see my daughter 's Ally account closed, my husband 's and my joint account closed, and my personal account in the negative.I almost felt like I could n't breathe.Fortunately, my daughter was home so we called Ally together.We, of course, were directed to some call center in XXXX.Unfortunately, these representatives are ill-informed and give incorrect reasons regarding any bank issues.The Ally rep informed us that my daughter 's account was closed due to fraudulent charges having occurred on her account due to the dispute letter.This was wrong as I informed her.My daughter had a dispute due to the insurance information not fraudulent charges.After much back/forth ( very time consuming ), we were finally directed to a " supervisor '' .The supervisor advised us that my daughter 's account was closed and could not be reopened regardless of the outcome of the dispute.She told us that they were reviewing the dispute and that a decision would be made about 10 business days from the time they received the remainder documents requested.I then asked about my remainder XXXX Ally accounts, my personal and joint account that had been affected.First, why was the money taken from both of my accounts? Money had been withdrawn from both my personal account and my joint account with my husband.Lastly, my joint account with my husband had been closed and neither one of us was informed.How was this possible? No correspondence sent via email/mail, nothing.How/Why could they do this? I asked the supervisor to explain how my account had been closed in the process.She informed me that due to my joint account having a negative balance after withdrawing the funds for my daughter 's account that it had to be closed.I then asked, " Why is my personal account still open and it is showing a negative balance as well? " She could not answer.Both accounts had money withdrawn for my daughter 's account but XXXX of my accounts was closed with absolutely no notice nor were they ever planning on telling me.All of my work direct deposits run through this joint account and all bill transactions are set up through this joint account.It was closed with no notice whatsoever! The supervisor explained to me that maybe the Ally representative had " MISINFORMED '' my daughter of the 10 business days for her to deposit money into her account.Also, that Ally had made some " mistakes '' regarding certain information but the accounts would remain closed.What? Ally information was incorrect and yet we were suffering.This is WRONG! A bank can not close an account with absolutely no reason or notice! Banks have done some deplorable things but this takes the cake.
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

2016-10-25

Mc Kinney, TX

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

2016-10-24

Washington, DC

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

2016-10-24

Schuyler Falls, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.
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

2016-10-24

Atl, GA

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

2016-10-21

Haines City, FL

Improper contact or sharing of info

Debt collection: Auto

Contacted me after I asked not to
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

2016-10-21

VA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.
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

2016-10-21

Memphis, TN

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: In XXXX XXXX, my lease for a XXXX XXXX XXXX had been completed. In lieu of returning the vehicle to Ally, the lease holder, I traded-in my leased vehicle to the dealership when I purchased my new vehicle. The vehicle was never returned to Ally but they have filed a collection against me and my ex-husband for excess mileage fees. Had the vehicle been returned to them, they would be entitled to these fees but since the vehicle was purchased by the dealership where I purchased my new vehicle, they are not. Section XXXX of the XXXX XXXX Agreement ( Excess Mileage Charge ) clearly states, " There is no excess mileage charge if you buy the vehicle ''. Since only XXXX outcomes are possible at lease end - purchase or return the vehicle - and the vehicle was purchased, Ally is not due these fees. NOTE : My new vehicle purchase was financed with Ally Financial as well.
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

2016-10-21

Wilmington, DE

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

2016-10-20

Carrollton, TX

Disclosure verification of debt

Debt collection: I do not know

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

2016-10-20

Jamesburg, NJ

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

2016-10-20

Greensboro, NC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.
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

2016-10-19

Five Points, PA

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

2016-10-19

Greensboro, NC

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: This is laughable ... I just received from Ally Finance a bogus truth in lending. First of all, they have an incorrect address on the TIL. and the APR is 18.69. This is a high cost loan. Being that I am XXXX XXXX, I do believe this falls under the discrimination of Ally Finance. They are alleging that the vehicle purchased at the wrong address at the time there was a credit freeze and fraud alert on my credit report that I agreed to pay double for a vehicle with a sticker price of {$35000.00}. Therefore after 72 months, the vehicle would have been over {$60000.00}. Nice try Ally but certainly not likely. Where is the total package? from what I see on the credit report, several payments were made. Who made these alleged payments? I would also like to know where this vehicle allegedly is today. If you are insinuating the vehicle was repossessed, there are laws as to how vehicles can be repossessed in the State of Rhode Island. These are called statutes in case you did not know. First and foremost, where was this vehicle repossessed from? Did you allegedly speak to me prior to? Did you provide the necessary 10 day letter prior to? Did you notify anyone that the vehicle was being taken? Personal belongings were more than likely in the vehicle and based on the Rhode Island laws, a 20 day notice is to be provided to the alleged consumer. Do you have a 20 day notice or is that forged as well? If not, that would mean you did not follow the statues. Were the police notified that the vehicle was being repossessed? I believe and do not quote me, but to my knowledge, the statue is 2 years from the date of purchase which would have ended XX/XX/XXXX it I had purchased this vehicle at the inflated price. That would mean Ally in fact owes me money based on the settlement agreement. I do believe the letters needed to be sent by certified mail with a return receipt. The 20 day notice should be in writing according to the Rhode Island statues. Please tell me where this vehicle was taken from and provide me with a credit report. I would love to see how you came up with the interest rate. Why would you have the incorrect address on the truth in lending statement? I do not know if the peace was breached or not because I have no idea when, where, what or how you repossessed this vehicle that has been paid on and not by me. I have told you on several instances that my identity was stolen and I have no knowledge of the like. You just want to be difficult and keep this on my credit. This also is against the Rhode Island statues as you can not produce the necessary documentation. If you did repossess this vehicle, was it sold at auction? Well, for what was it sold? I do not believe a letter in regards to that was ever mailed either. The Rhode Island Repossession Act clearly outlines the statues. On the letter, I received from you, you state the last payment was made XX/XX/XXXX. Could you please forward a complete payment history? When I spoke to XXXX in the fraud department, she clearly told me " this was not my account '' and " she could give me no information '' The fact that I was not even residing at the address on the TIL, that tells me you are throwing it up against the wall and seeing if it sticks. Your credit report is very contradictory, it states last payment made in XX/XX/XXXX, and 1st delinquency XX/XX/XXXX. I do n't quite understand that. Ally, stop making up things as you go along. You simply want someone to be responsible, therefore you are desperately attempting to make this my debt. I sent you a certified letter that you ignored. Therefore, you could not produce the necessary documents. You can not sell a vehicle at an auction and not provided documentation because if you sold it for more than the balance owed, you would owe the funds to whomever the responsible party is. Now we have a case of forge
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

2016-10-18

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

2016-10-18

Wallington, NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.
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

2016-10-17

Avon, CO

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 explanation

Disputed: No Timely Response

2016-10-17

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal payment.
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

2016-10-17

Newnan, GA

Improper contact or sharing of info

Debt collection: Auto

Contacted me after I asked not to
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