ALLY FINANCIAL INC

2016-10-15

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

2016-10-14

Burkburnett, 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

2016-10-14

Ave Maria, FL

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: Yes Timely Response

2016-10-14

Effingham, KS

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month
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

2016-10-14

Grassy, MO

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: In XXXX, I leased a XXXX XXXX XXXX from Ally Financial. In XXXX XXXX, Ally Financial drafted a bill to me for the personal property taxes they paid to Missouri for the leased vehicle. I received the bill in XXXX XXXX. I contacted Ally on XXXX XXXX, XXXX and advised them the taxed amount was incorrect. I also informed them I had attempted to appeal the amount with the assessor 's office, but I did not own the vehicle and had no standing to appeal. I informed Ally they needed to appeal the valuation. They stated someone would be in contact with me. After getting no response, I contacted them again on XXXX XXXX, XXXX. They had not disputed the amount and again told me I had to do it. I again advised I was not allowed to because I was not the owner. On XXXX XXXX, I contacted them and was promised a return call from one of their tax specialist within 48. I called back on XXXX XXXX. I was forced to file another dispute because the previous one was not filed. Over the next few months, I exchanged numerous calls with Ally. They informed me they never filed the appeal with Missouri. They said I would be responsible for the total amount. During these repeated calls, I provided Ally with all of the information contained in this email. I offered to provide them with an email including all the statutory information in this complaint. They repeated stated someone from their dispute resolution department would be in contact with me. ( I never received a call from that department ). In XXXX XXXX, I contacted them and advised them the XXXX taxes had also been calculated incorrectly. I again asked them to appeal the valuation. They did not do so. They continued to state I owed the entire amount " because it was already paid by us. '' I lodged another dispute. I turned in the vehicle in XXXX XXXX. In XXXX XXXX, I received the first of many letters stating I still owed them {$710.00}. I called and lodged another dispute. I was informed someone from their internal dispute resolution department ( XXXX (? ) ) would contact me and no collection efforts would occur until after that happened. This department never contacted me. I spoke with them several times in XXXX attempting to resolve the dispute. Each time I was promised a call back. I never was contacted by a dispute specialist. I contacted them on XXXX XXXX, XXXX after I received a letter from Ally indicating they would like to negotiate a settlement. I stated I would gladly pay them {$250.00}, the amount remaining on the corrected tax valuations. They stated they would not accept any amount below the total amount they stated I owed. I asked again for them to lodge a dispute. i was again promised a return call and told the case would not be turned over to collections until they contacted me. In late XXXX XXXX, I began to receive calls from a collections agency ( XXXX XXXX XXXX XXXX XXXX ) on behalf of Ally. I still have never received a call from Ally 's dispute resolution department. Further information is available which is not transferable through this system. I have the Missouri Statute describing personal property tax assessments, the XXXX values for XXXX & XXXX for the XXXX XXXX, and the tax rates for the city and county of my residence. I am hopeful you can assist me in dealing with this company 's unfair business practices.
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

2016-10-14

Palos Park, IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...
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

2016-10-14

OK

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.
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

2016-10-13

Bovina, MS

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

2016-10-13

Detroit, MI

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 non-monetary relief

Disputed: No Timely Response

2016-10-13

Richmond, VA

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

2016-10-13

Shulerville, SC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.
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

2016-10-12

Orlando, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
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

2016-10-12

Shulerville, SC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.
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

2016-10-11

Missouri City, TX

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 monetary relief

Disputed: No Timely Response

2016-10-11

MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.
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

2016-10-11

TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership. 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: No Timely Response

2016-10-11

Newport, TN

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.
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

2016-10-10

Wilm, NC

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

2016-10-10

Garrett Park, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.
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

2016-10-10

Shulerville, SC

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested
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

2016-10-09

Boise, ID

Using a debit or ATM card

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

2016-10-07

Wash, NC

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: Yes Timely Response

2016-10-07

Lodi, CA

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

2016-10-07

Hudson, 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

2016-10-06

Mc Donough, GA

Communication tactics

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

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