ALLY FINANCIAL INC

2016-07-21

River Forest, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: 1. Dealer 's APR calculations appear to be understated. Interest is computed on a daily basis for an auto loan but 2. The contract appears deceptive because it is called a GMAC ( ALLY ) Flexible Finance Plan but there is no flexibility offered to the borrowers. 3. An investigation will show that the car dealer, XXXX XXXX, processed one contract at the requested simple interest rate and then deceptively said a " mistake '' was made after my signing and another contract needed to be printed but the second contract 's interest rate was based on a daily computation rather than simple annual interest. 4. In retrospect, I believe I was charged an unfair and highly marked-up interest rate because I am XXXX, especially because of the consent agreement Ally entered into with the federal government.
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

2016-07-20

Las Vegas, NV

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 monetary relief

Disputed: No Timely Response

2016-07-20

Dunnellon, FL

Managing the loan or lease

Consumer Loan: Installment 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

2016-07-20

Riverside, ND

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 non-monetary relief

Disputed: No Timely Response

2016-07-20

East Elmhurst, 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

2016-07-20

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
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

2016-07-20

Mill Creek, IN

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

2016-07-20

Newnan, GA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. I did my part in a timely manner as was requested.
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

2016-07-20

Gloucester City, 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

2016-07-19

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

2016-07-19

Rock Hill, SC

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

2016-07-18

Chautauqua, OH

Taking out 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

2016-07-18

Mem, TN

Taking out 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

2016-07-18

Yuba City, CA

Problems caused by my funds being low

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 monetary relief

Disputed: No Timely Response

2016-07-16

MS

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. What is my recourse?
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

2016-07-15

Easley, SC

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

2016-07-15

Los Angeles, CA

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

2016-07-15

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Elkton, MD

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 monetary relief

Disputed: No Timely Response

2016-07-15

MO

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: Yes Timely Response

2016-07-15

Liverpool, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.
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

2016-07-14

Burl, NC

Managing the loan or lease

Consumer Loan: Installment 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

2016-07-14

Harsens Is, MI

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.
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

2016-07-14

Austin, TX

False statements or representation

Debt collection: Auto

Indicated committed crime not paying
Complaint: I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
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

2016-07-14

Hinsdale, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I paid off my account with Ally Bank for the purchase of my car in XXXX and received a letter from them dated XXXX XXXX, XXXX but have not received my title for this car ( XXXX XXXX XXXX XXXX I called them Tuesday and they say that the title was sent to me on XXXX XXXX, XXXX but I have not received it and they are saying that they can not issue me a duplicate title that I have to go to the Sec. of State and pay {$100.00} to get a duplicate title am XXXX XXXX XXXX and have paid enough for the car. They have all the information on my car and should be able to issue a duplicate title. Yesterday when I called them and asked to speak to a supervisor they said that there was no one there while speaking to the same person that I spoke to on Tuesday and that I could leave my phone number and they would call back in XXXX to 48 hours. I do not believe that there was not someone in charge that I could talk with to try to get this problem resolved. ALL I WANT IS THE TITLE TO MY CAR. Are they this rude to everyone that calls with a complaint? I do n't want to be lied to just tell me the truth.
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