ALLY FINANCIAL INC

2016-09-22

Fort Worth, 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

2016-09-22

Fort Worth, TX

Improper contact or sharing of info

Debt collection: Auto

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

2016-09-22

New Hamburg, NY

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

2016-09-22

Arvada, CO

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX
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

2016-09-22

Ballardsville, MS

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 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: Yes Timely Response

2016-09-22

Dallas, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?
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

2016-09-22

Phoenix, AZ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after 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

2016-09-22

Oro Valley, AZ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2016-09-21

New Albany, OH

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

2016-09-21

Robertsdale, AL

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: Yes Timely Response

2016-09-20

Clinton, MD

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

2016-09-20

Stantonville, TN

Improper contact or sharing of info

Debt collection: Auto

Contacted employer after 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

2016-09-20

MS

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have asked for assistance in reducing my payment due to a reduction in income ; however, Ally is not interested in helping. I was told I could make a principal reduction equal to at least 4 monthly payments, but this would not even reduce my payment by {$100.00} per month. Also, I have a reduction in income. If I could afford to make 4 payments at once, I would n't be asking for help. I was told I do n't qualify for a re-write because I have more than 36 payments remaining. I have made on time payments for the past two years and my credit score has increased since the loan was made. I see no reason why this lender ca n't assist in reducing my rate from 10.95 % to something more reasonable and affordable, rather than causing me to have to surrender the vehicle and ruin my credit.
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

2016-09-20

Garrett Park, MD

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and fraud.
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

2016-09-20

Comerio, PR

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully XXXX XXXX XXXX.
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

2016-09-20

Cocoa, FL

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: I have an auto loan with ally financial and I an 40 days passed due. Primarily spoke to them and we set up when I would pay.. days after that they have called me 30+ times in two days with no voice mail..
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

2016-09-19

Rncho Domingz, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

2016-09-18

Foy, CA

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: Yes Timely Response

2016-09-16

Alta, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with 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

2016-09-16

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. XXXX noted that he saw my locations in his database were XXXX and XXXX. I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.
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

2016-09-15

Manhattan, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2016-09-15

Cleveland, 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

2016-09-15

Colts Neck, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX report.
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

2016-09-14

Newark, NJ

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

2016-09-14

N Andover, MA

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