ALLY FINANCIAL INC

2016-10-06

Albuquerque, NM

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

2016-10-06

Magnolia, TX

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.
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

Del Valle Finance, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my 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

2016-10-06

IL

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
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

2016-10-05

Mesquite, TX

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my 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

2016-10-05

Grangeville, LA

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 explanation

Disputed: No Timely Response

2016-10-05

Durham, 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

2016-10-05

Las Vegas, NV

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my 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

2016-10-05

Silver Spring, MD

Communication tactics

Debt collection: Auto

Called after sent written cease of comm
Complaint: I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.
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

2016-10-05

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.
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

2016-10-05

Newnan, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.
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

2016-10-04

Miami, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-10-04

Thompsons Station, TN

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Complaint: I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.
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

2016-10-04

Cheverly, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Reference Account Number : XXXX XXXX XXXX I got behind on my car payment ; Ally Customer Service Agent XXXX XXXX ( ex XXXX ) told me the amount to be paid {$880.00} to stop the repossession. XXXX XXXX told me to make the following payments via XXXX XXXX : XXXX XXXX, XXXX {$800.00} paid via XXXX XXXX XXXX XXXX, XXXX {$340.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was leaving for work a man in a XXXX car was outside my house taking pictures of my car. I thought that was strange so I checked Ally 's app, it indicated I still owed the {$800.00} and the additional payments were canceled but withdrawn from my account. This is not the first time Ally has misapplied payment and/or told me I owed but had already made payments. From the start of this car loan I 've made bi-weekly payments of {$170.00}, Ally continues to call multiple times a day prior to the second payment being made. I 've asked them to put notes on my file indicating the by-weekly payment, but to date they have not done so. Now they are saying that I owe {$920.00}.
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

2016-10-04

Beyersville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my 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

2016-10-04

Boston, 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 non-monetary relief

Disputed: No Timely Response

2016-10-04

Marietta, GA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was discharged in bankruptcy
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

2016-10-04

MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: An auto loan of {$17000.00} was taken out on a used vehicle. The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.
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

2016-10-03

Cheverly, MD

Disclosure verification of debt

Debt collection: Credit card

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

2016-10-03

N Falls, NY

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

2016-10-03

Marietta, GA

False statements or representation

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

Attempted to collect wrong amount
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

2016-10-03

Chicago, IL

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.
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

2016-10-03

FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. Sincerely, 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

2016-10-03

Orange, 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

2016-10-02

Chicago, IL

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to my credit report.
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