ALLY FINANCIAL INC
Consumer Complaints
There are over 6232 complaints on file for ALLY FINANCIAL INC. Dated between 2019-12-16 and 2012-03-09.
Complaints Page 148
2016-08-09
MA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-09
Philadelphia, PA
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
2016-08-08
Royal Oak, MI
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
2016-08-08
Lewisville, 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 explanation
2016-08-08
Arlington, VA
Cont'd attempts collect debt not owed
Debt collection: Auto
Debt is not mine
Complaint: In XX/XX/XXXX I leased a Chevrolet Cobalt with GMAC for the period of three years and paid for the vehicle upfront. Two years later, I joined the XXXX XXXX and had my father return the leased Cobalt at the appropriate time and place. My father did just that. Learning that the Cobalt was delivered on time is where the story ended for me. However, in XX/XX/XXXX, XXXX XXXX ( XXXX ) contacted me in a harassing manner demanding that I owed {$2300.00} for the Chevrolet Cobalt. There was no additional information provided, but I quickly forwarded the information on to my father regardless to see if he could shed some light on where this " debt '' may be derived from. My father reported back to me that he had spoken with XXXX XXXX, and that they told him that they would take care of the accounting error. This is where the story starts to effect me.
XXXX XXXX, XXXX, I was contacted by XXXX XXXX again in regards to this debt of which there is no explanation. Additionally, this is eight years after the vehicle was returned and GMAC has since gone out of business. GMAC has merged with Ally Financial, but Ally Financial refuses to assist me with this issue. They have told me that " our ( Ally Financial ) third party collection agency ( XXXX XXXX ) is handling this account, and there is nothing they can do to help me delete this debt from my record. '' After repeatedly trying to work this misunderstanding out with XXXX XXXX, I was told by the collections agency that " there is nothing we ( XXXX XXXX ) can do because we report directly to Ally Financial. We do not even have the authority to report to the credit bureaus. We report directly to Ally Financial. '' I have recently looked into my credit report, and I was shocked to see that there is a Charge Off from GMAC of {$2300.00}. This account was taken care of many years ago. Furthermore, Ally Financial has no information for me in their system. The only information Ally Financial has at this point on my supposed account is what I had personally given them when I opened a complaint regarding this debt.
Bottom line : Before filing this complaint with CFPB, I have attempted to have this debt expunged from my record by explaining to both XXXX and Ally Financial that this is debt is the result of an accounting error made eight years after the vehicle was leased ( paid in full ). Both parties refuse to help me, they both continue to advise me that I must speak to the other to get this resolved, and neither of their management representatives has offered any clarity on this matter.
I have read other consumer complaints regarding Ally Financial and XXXX XXXX. It seems as though I am not alone in my experience of the unethical business practices these XXXX companies engage in to make a buck. My credit worthiness has suffered tremendously as a result of this Charge Off that was reported to the credit bureaus. I did not accrue this debt. If I am unable to resolve this issue with the help of the Consumer Financial Protection Bureau, I am prepared to pursue this matter with an attorney because of personal integrity as well as holding these XXXX companies to decent ethical standards.
Note : As I mentioned, I gave Ally Financial quite a bit of information when I opened a complaint with them regarding this account. I suspect they will try to pawn this issue off to XXXX XXXX, but prior to opening the complaint, Ally Financial had no information regarding the debt when I gave them my Social Security Number and full name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-08
Tampa, FL
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-07
Avon Lake, 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
2016-08-07
MI
Disclosure verification of debt
Debt collection: Auto
Not given enough info to verify debt
Complaint: Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action.
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided.
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-06
New Orleans, LA
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 explanation
2016-08-06
Flemington, 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 non-monetary relief
2016-08-04
Bloomfield, CT
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 monetary relief
2016-08-04
KS
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I had an existing loan with Ally Bank with a remaining balance. I traded the vehicle in and financed the new vehicle through a different bank. The balance with Ally Bank was cleared when I completed my trade in on XXXX/XXXX/2016.
Ally Bank then took an automatic payment on XXXX/XXXX/2016 from my checking account on file with them, even though the remaining balance on the loan was XXXX with XXXX scheduled payments, per their website.
When I called them, they stated I should have called them to cancel auto pay for my loan with a XXXX balance remaining. There is no option to unenroll from autopay on their website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-04
Winton, CA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-03
Lb, 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
2016-08-03
Brentwood, TN
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
2016-08-03
Snell, 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
2016-08-03
OH
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-02
Church Point, LA
Communication tactics
Debt collection: Auto
Frequent or repeated calls
Complaint: North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-02
KS
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-08-02
Hamburg, MN
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: XXXX XXXX ( my former boyfriend ) had an auto loan through Ally Auto. I have made all of the payments and have a notarized document statement indicating title of the vehicle XXXX purchased will be transferred into my name once the loan was paid in full. The vehicle we purchased was in an auto accident on XX/XX/XXXX, resulting in the loan being paid off in full in XXXX. XXXX and I have made multiple attempts to request Ally Auto to send a lien release letter or card but the only thing they have sent is a letter confirming loan being paid in full. The MN Dept. of Motor Vehicle will not allow the car title to be transferred into my name until we provide them with supporting documentation of lien being released. I am attaching a copy of the letter Ally Auto sent us on XXXX XXXX, indicating our loan being paid in full. Could you please help XXXX and I with getting a lien release from Ally Auto?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-02
Berthoud, CO
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: Good morning. I do hope that you can help in my case against Ally Financial. The office had previously reported ( wrongly ) that I was fault on payments made to their office. The first call I had made to their office was to the total loss team who advised me that because they had not received the settlement check from the total loss of my vehicle, it may be an issue and I should call customer " service '' to make sure that I do not owe that money to them. I was transferred to a gentleman who provided me solace stating that I would not owe them any money and my account would not default. On XXXX of 2016, I received an e-mail notification that my account had been subject to delinquent payments. I called immediately and spoke with a rep who transferred me to a supervisor, XXXX. Upon speaking with her, I let her know that I was assured this would not affect me, but it had. I was also told that my conversation was not documented by the previous representative before her and told me the most recent documentation on the file was from XXXX. After a 30 minute phone call, I was provided a case ID #. The redaction to my credit totalled XXXX points ( XXXX from both XXXX and XXXX ). A total of XXXX points was returned to me and a new credit report was added to my record which was still incorrect. Yesterday, XXXX XXXX, I received a letter dated XXXX XXXX, which stated that I still owed almost {$800.00}. I asked what these charges were for and they said they were finance charges and unpaid principle between the unpaid balance on the car. Since my XXXX conversation and being told a second time I had a {$0.00} balance, 137 days has passed. My contract states that interest accrues at $ XXXX. This total is {$21.00} - The " unpaid finance charges '' on the bill I received totaled almost {$200.00} - I called yesterday night and after a 45 minute phone call, I was told a few things that made me want to write to you. I was speaking with a rep, XXXX, who I provided my best callback number to before he placed me on hold to ask his supervisor about a letter that I was sent. THE letter. Anyways, he asked to place me on hold 1-2 min. The hold time was 5-6. He came to the line, asked if I received a letter? I digress. He asked again for 1-2 min hold time and again was 5 minutes. He came to the line to advise he was still reviewing the claim and I then said, okay, I do n't mind. 5 minutes later, I pointed it out to him that he had been placing me on hold much longer than he kept telling me he would. I was told that I would be getting a callback from the total loss team who was handling my file. I asked if he could please handle my concern since it was his number on the letter. He said no, so I asked to speak with a supervisor. I 'll keep this bit short as it 's extremely frustrating, but in speaking with the supervisor, I was told they do not give out last names, do not have direct extensions, and do not have direct phone numbers. I asked how XXXX was able to get a hold of her then?? Can I have your internal extension number? 3 times I was denied. I asked to speak with her supervisor and she has told me that I will receive a callback today, XXXX. Every day that passes accrues more interest, but this is acceptable in the faceless bank 's eyes. I also want to mention that I was quoted one amount by the representative I spoke with, and THREE DIFFERENT AMOUNTS from the supervisor I spoke with. She was adamant that there would be no negotiation on the remaining amount, but the amounts she kept giving me were different almost every time. I will see if I get a callback today, but this is the XXXX or so phone call I will have had about the same issue. I want to start a business one day helping people. If you are able to help me in this, I will magnify that a XXXX times back. I did offer a settlement amount to Ally and want to resolve this amicably, but I feel like their slave.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-08-01
Baltimore, MD
Cont'd attempts collect debt not owed
Debt collection: Auto
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
2016-08-01
Hamilton, NJ
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 explanation
2016-08-01
Orion Twp, MI
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: I will attach a detailed letter describing the fraudulent car sale involving XXXX XXXX XXXX XXXX 's employee ( s ) XXXX XXXX & Ally Financial. XXXX of XXXX, XXXX 's former employee ( s ) held 1-day tent sales at the local XXXX parking lot. My son was shown a 2011 Chevy Aveo & was offered {$7000.00} for his 2002 Chevy Silverado. They advised my son to test drive the car overnight & come back in the morning. During the tent sale, XXXX employee were having trouble getting my son approved for an auto loan suggesting he take the Aveo home overnight & come back in the morning. He was also advised to leave his 2002 Silverado at the XXXX parking lot. That night, the Aveo overheated once it would reach 40mph. We immediately contacted XXXX salesman whom advised us to contact XXXX XXXX in XXXX in the morning. The next day, we drove the XXXX back to the XXXX only to find the tent sale & cars gone as well as our 2002 Silverado was gone. We contacted XXXX, the salesman from the tent sale who then identified himself as living in Indiana & was only there under contract to help XXXX XXXX XXXX sell cars & we would need to contact XXXX Used Cars Dealership. For weeks we were given the run around from XXXX 's. We continued to contact XXXX from Indiana whom was no help assisting us in getting our truck back & the Aveo returned. XXXX called us a few weeks later in XXXX requesting we pay more money to secure an auto loan & pay MI sales tax. We were confused because Ally mailed us a letter claiming they denied approving my son for an auto loan.
Later in XXXX, Ally mails another letter informing us that they Ally & XXXX XXXX of XXXX changed the terms & conditions of a loan. We contacted XXXX again whom advised us that the form we signed during the tent sale giving them approval to run our credit reports were used so to enter Ally & XXXX into new terms & conditions of a loan between them which of, Ally has refused in three years to provide us with the details of the loan terms. XXXX advised my son to make monthly payments of {$290.00} for 3 years beginning XXXX of XXXX. By XXXX, the car was taken to XXXX XXXX XXXX XXXX service center and again in XXXX whereas XXXX had possession of the car more than we did. We were advised to come pick the Aveo up claiming all service work was completed then soon after in XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX closed down due to their fraudulent car lot tent sales. My son has since paid the Aveo off paying over {$12.00} grand for a {$6500.00} car. Ally claims my son does n't have an auto loan with them but owes them over {$10.00} grand more for the original loan they Ally & XXXX XXXX XXXX changed without our knowledge in 3-yrs. XXXX XXXX of XXXX my son & the Aveo were involved in auto accident totaling the Aveo. Ally Financial has refused to answer requests now from the State of MI Insurance & Financial Serv., XXXX XXXX Claims depart involving the Aveo claim. XXXX XXXX ca n't make payment to Ally if Ally is claiming they do n't have an auto loan with us. So whom have we been paying and what terms did Ally change without our knowledge in 3 yrs? My son was discriminated against for being a young XXXX whom did not have credit because he was just XXXX & Ally Financial has caused financial injury to my son 's credit & preventing him from buying a new car to replace what he just lost. A Class Action Settlement was reached between the federal government & Ally Financial for their fraudulent car sales, fraudulent lending practices. My son is a victim of the same crimes he just was n't included in the current settlement suit. We are pleading for a resolution & for Ally Financial to be held accountable for their fraudulent actions including & involving XXXX Used Sales, XXXX XXXX.
We pray for your protection so to prevent further injury Ally Financial is causing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-08-01
Oxford, GA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation