ALLY FINANCIAL INC

2016-09-07

Destin, FL

Deposits and withdrawals

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

2016-09-06

Foy, CA

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: Yes Timely Response

2016-09-06

Grey Forest, 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

2016-09-06

Billerica, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is done.
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

2016-09-04

Little Rock, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I am filing a complaint against Ally Financial for the unnecessary stress that I have suffered from this company. I have gotten my car three years ago and did not have an issue with Ally until this year. I took my car to the dealership where I got my car to have a tire patched. One of the salesmen asked me if I would be interested in trading in my car. I told him that he can run the numbers, but I was pretty sure that I could not trade the vehicle in due to the bankruptcy that was on my file. After the salesman ran the numbers, he asked me, " Are you aware that you have XXXX car loans from Ally? '' I told him that I should not have XXXX car loans with Ally, because I only have XXXX car. He told me to contact my bankruptcy lawyer and Ally to see what is going on. I checked my credit report and it clearly shows that I have XXXX auto loans with different amounts in each account. I called Ally XX/XX/2016 and asked them why I have XXXX auto loans after I sent them a message through the message center in which they stated that they can not discuss this matter through the message center. When I called and spoke with a representative at Ally, they told me that I only have XXXX account with them, but I told them that is not what my credit reports say. I looked at my old billing statements that I received before switching to pay online. It clearly shows XXXX different account numbers, but with the same VIN number of the car. Ally swears that I have only XXXX account with them and I gave them the XXXX account numbers that appears on my credit reports. They told me that they no longer use account numbers that starts with XXXX, and are using account numbers starting with XXXX. I asked them when did they stop using the old account numbers, because I have not received any notice in the mail stating that they were changing the account numbers. The representative told me that she can not give the exact date of the changes in the account numbers. I reviewed the details that were presented in my credit reports and compared the information that was reported by Ally in regards to the payments that I have made. There were several discrepancies with the information that Ally has reported compared to the credit reports and my bank records. I wrote a dispute letter to the credit bureaus explaining that the account number XXXX needs to be removed from my credit report. I also asked Ally to provide me with a copy of my contract with them. After attempts to receive a copy of my contract through the mail failed, I told Ally to fax me a copy. I took a copy of the payment history record of payments to Ally and compared it to my bank records. By doing the comparisons, I have discovered that Ally switched account numbers in XX/XX/XXXX. I even took the payment history to my bank and had the banker compare the number of payments. The teller said that the numbers were correct, however, I disagree with her, because it just does n't seem right to me. I have highlighted all the payments that I have made to Ally according to my bank records and what Ally states that I have paid. After reviewing the copy of my contract, I did not see in the contract that allows the bank to switch account numbers without notifying the party involved. From what I have read and reviewed comparing the information from XXXX banks and the credit reports, Ally has failed greatly for not informing the credit bureaus that the company will no longer use old accounts and in addressing the removal of old and the addition of the new account numbers. Not only has Ally failed to report this information, according to the credit report from XXXX, Ally has also not reported the correct amount of money that I have paid towards my car. I have tried to trade in my car several times due to financial hardships with no success. This was due to both accounts being removed after filing my dispute.
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

2016-09-03

Venice, 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

2016-09-03

TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.
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

2016-09-01

Owensboro, KY

Account opening, closing, or management

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

2016-09-01

Beaverton, OR

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 non-monetary relief

Disputed: No Timely Response

2016-09-01

Carver, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud. Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful
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

2016-09-01

Elyria, OH

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
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

2016-08-31

Yonkers, 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

2016-08-31

Phoenix, AZ

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

2016-08-31

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.
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

2016-08-31

Tucson, AZ

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

2016-08-31

Kansas, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.
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

2016-08-31

TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 2 ) Why did they not send out the paperwork after the XXXX XXXX call? 3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.
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

2016-08-31

Fresno, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had an automatic Bill pay monthly to pay for the car payment. I received an email from my bank that the payment was made. I checked my credit report one month later and it showed 30 days late payment reported to the credit bureau. I checked the payment history with ally financial inc and found out that the payment was reversed by my bank and I never had the opportunity to know about it to correct it. I immediately brought my account current and I asked Ally Financial inc to remove this negative item from my credit report bcz it was not intentional from my part and it 's the bank who reversed it without my knowledge, they refused.
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

2016-08-30

Federal, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
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

2016-08-30

Brooklyn Center, MN

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

2016-08-30

Livermore, 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: No Timely Response

2016-08-30

Alpharetta, GA

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

2016-08-30

GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!
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

2016-08-29

Dallas, 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

2016-08-29

Mem, TN

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