ALLY FINANCIAL INC

2016-09-13

Tewksbury, MA

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

2016-09-13

Bristow, VA

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

2016-09-13

Gloucester City, NJ

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 explanation

Disputed: No Timely Response

2016-09-13

Greensboro, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in 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

2016-09-13

Mabank, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their website.
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

2016-09-12

N Haven, CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error
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

2016-09-12

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

2016-09-11

Hampton, 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

2016-09-11

Hobe Sound, FL

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 explanation

Disputed: No Timely Response

2016-09-11

TX

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.
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

2016-09-11

Palos Park, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX XXXX 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

2016-09-10

Houston, TX

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 monetary relief

Disputed: No Timely Response

2016-09-10

Greensboro, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: During XX/XX/XXXX-XX/XX/XXXX, my personal information was compromised. Ally financial attached an account on my credit report that is in collection and this is a fraudulent account. Ally is alleging that I made payments on said vehicle for a period of time which is a lie wherever the payments came from it was not me. They have no payment history showing I ever paid anything and I had XXXX bank account with no transactions to Ally financial. At any rate, they are claiming there is a balance due. I do not know what this balance is for. I never received any correspondence in reference to said vehicle. I have no idea where it is. This needs to be deleted from my credit report immediately as I am attempting to correct the wrongdoing. I spoke to Ally customer service who told me they have red flags in place for this type of thing. I was asked to fax over a police report and filing with the FTC which I did. I do not know why they are telling false stories and making up payment histories. They can not provide any documents in regards to this. If this were my account, I would have an idea of where the car is, what happened to it. I would like to know their method of verification. They need to delete this from my credit immediately as it is having a negative affect. I am desperately attempting to repair my life after such a stressful ordeal. Ally is flat out lying. There were never payments made by me. I have heard they have done this to other consumers in the past.
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

2016-09-09

Miami, FL

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

2016-09-09

Oak Lawn, IL

Incorrect information on credit report

Credit reporting:

Account terms
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

2016-09-09

Palmerton, PA

Loan modification,collection,foreclosure

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

2016-09-09

Las Vegas, NV

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
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

2016-09-08

Tampa Palms, 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: No Timely Response

2016-09-08

Mabank, 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

2016-09-08

Wailuku, HI

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

2016-09-08

Wash, NC

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

2016-09-08

Una, SC

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.
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

2016-09-07

Smyrna, DE

Fraud or scam

Other financial service: Check cashing

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

2016-09-07

NV

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have been adding extra money to my auto monthly payment and it is not being applied to the principle. Instead, they send me my next statement with a lower payment.
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

2016-09-07

FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.
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