ALLY FINANCIAL INC

2016-07-13

Salton City, 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 non-monetary relief

Disputed: No Timely Response

2016-07-13

Bloomfield, CT

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

2016-07-13

Belfair, WA

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

2016-07-13

Cape Girardeau, MO

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

2016-07-13

Fort Lauderdale, FL

Deposits and withdrawals

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

2016-07-12

Sandy Hook, CT

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

2016-07-12

College Heights Durango, CO

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

2016-07-12

Palos Park, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,
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

2016-07-11

Succasunna, NJ

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 explanation

Disputed: No Timely Response

2016-07-11

Sparta, NJ

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

2016-07-11

Sebring, FL

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

2016-07-10

Spring Hill, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-07-10

Three Bridges, NJ

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: Case number : XXXX. This is a follow up complaint to the Case number XXXX sumbmitted to CFPB on XX/XX/2016 - Here a summary of Complaint ( Ally Financial has continue to list incorrect and incomplete information on my credit file, I have disputed this account several times with XXXX credit reporting agency Ally financial has continue to list incorrect and incomplete. For example date of first delinquency and date of major delinquency is incorrect with is making the negative account stay on my credit file longer ). As of today XX/XX/2016 the account has not been corrected and still reported as derogatory account. I contacted Ally financial several times on XXXX/XXXX/16 and XXXX/XXXX/16, which was not an easy task and have been advised that I was correct and an update was send to XXXX on XXXX/XXXX/16 to update delinquency as is the way pass the 7 year mark. I am not going to wait another 30 days for Ally and XXXX to get they act together and have this account corrected. This has been a nightmare and inconvenience to me to have to go these lengths to have this account corrected removed. This correct need to be handle ASAP or I will seek legal action. I have attached the response from Ally from XXXX 2016.
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

2016-07-09

Phila, PA

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 explanation

Disputed: Yes Timely Response

2016-07-08

Phila, PA

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

2016-07-08

Houston, 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 monetary relief

Disputed: No Timely Response

2016-07-08

Foothill Ranch, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Received XXXX statement with an amount due that was XXXX XXXX XXXX less than the XXXX payment of XXXX ). I Payed the XXXX amount and thought the lesser amount was due to a tax rate change. I did not receive a XXXX bill however I payed the account on time, paying the same XXXX that I was billed for in XXXX. In XXXX, I received a collections call from Ally, saying I owed XXXX. I attempted to state the above to the representative however, the individual only wanted to focus on the XXXX. I payed the XXXX after the call was ended on-line that day. I placed a call to Ally to inquire and the representative could not explain however, said I would receive a call back within XXXX48 hours. I did not receive a call back. In XXXX I began a re-finance process on my home and discovered Ally had reported my account 30 days past due for the XXXX payment, although the XXXX was received on time. I called Ally to dispute and was told I would get a resolution within XXXX to 6 weeks. In 6 weeks I received a letter stating the dispute was not valid and the account was reported past due correctly. I called Ally and requested escalation to a supervisor and spoke to a person that said they would re-open the case and I would receive a call back within XXXX hours. I never received the call. I called again, requested escalation, spoke to a supervisor who then said there was no record of my last call and that I could file a new dispute and hear back in XXXX to 6 weeks. I repeatedly requested to speak to a manager or someone directly in the credit dispute department and was denied. My only option was to again wait XXXX to 6 weeks. Again 6 weeks and I hear nothing so again I call. I immediately request a supervisor than that supervisors manager. I get transferred to the " consumer affairs '' department. I again go through the history and request to speak to someone in the credit dispute area. The individual told me they have no way to transfer however, I would receive a call within the next XXXX48 hours. This time 48 hours later I do get a call from " XXXX ''. I was not home at the time, and a message is left to return the call. I returned the call within XXXX hour to the number provided ( same main number ). I get transferred to " consumer affairs '' again, and then told XXXX was not available. And she will be out for one week. I ask to speak to another manager and was told no-one was available. My only option is to wait. A week goes by, no return call. I call again, get transferred to consumer affairs, ask for XXXX, was told again she was out for 3 more days. Wait 3 days, no return call, I call again, get transferred to consumer affairs, ask to speak to XXXX 's manager or anyone in a leadership role in the credit dispute department. I get told I would get a call back within XXXX48 hours. I told the rep that this is the worst customer service I have ever experienced and wanted to formally complain. The rep told me all complaints must be in writing, she could not discuss over the phone. Another interesting point is with every call, they state how their service is very important and if you would like to participate in a survey, press XXXX and stay on the line after the call ends. I have done that each time and never been offered a survey, just dead air. To summarize, It is near to impossible to escalate any issue or speak to anyone within any managerial authority with Ally. My XXXX payment was not late. Due to Ally not sending a XXXX bill, I was not aware the payment increased XXXX. I am still unclear on why the XXXX payment had decreased. When notified of the XXXX difference, it was immediately paid. Given that the XXXX payment was never 30 days past due.
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

2016-07-06

Booth, TX

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

2016-07-06

E Saint Louis, IL

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

2016-07-06

Discovery Bay, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Bank defrauded and short changed me by sending a refund for less than what it should have been for a vehicle extended warranty contract. Ally bank not only deducted money for the warranty contract that was never used but instead of charging me {$25.00} cancellation fees, it charged {$50.00} instead. This is fraud and I am sure that there are other unsuspecting consumers that are being defrauded by Ally Bank.
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

2016-07-06

CO

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.
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

2016-07-06

Dallas, TX

Communication tactics

Debt collection: Auto

Used obscene/profane/abusive language
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

2016-07-05

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My Spouse and I purchased XXXX Vehicles at XXXX XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, and the Finance Manager put us through ALLY Financial, with rates around 16 % due to our Scores. XXXX Vehicle, a XXXX Dodge Grand Caravan was possibly purchased in or around XXXX XXXX. The other, a XXXX Jeep Liberty, possibly in or around XXXX XXXX. Or, the ( XXXX ) time frames may be reversed, even though we have the Credit Reports with the Account Numbers, minus the last ( XXXX ) digits of each. One Account # is : XXXX ... ... The Other : # XXXX ... ... The Last ( XXXX ) Digits of each we believe are : XXXX and XXXX. When I was working hard with XXXX, living in Maine, I was trying to better my Spouse 's Score as well as my own, between XXXX XXXX - XXXX XXXX. I finally achieved a XXXX XXXX Score for myself, as well as, possibly a XXXX for my Spouse. We were in the process of moving from XXXX to XXXX and I wanted a better Score Ratio to work with for possibly different vehicles, or to at least Refinance One of them, which we did. A local Credit Union just down the street from XXXX XXXX gave us very Good business. Finally, here is the Overall problem with ALLY FINANCIAL 'S Reporting of our payment history. The Account starting with XXXX {$580.00} per month, CONSTANTLY has been changing with both Month/Year of supposed ( 3 ) Times of 30 Day Late 's. Whereas, the Account starting with XXXX/ {$540.00} per month, was CONSTANTLY changing as well, Month/Year, from ONLY a ( 1 ) Time Supposed Late, to now as we speak, Reporting on My XXXX File as ( 2 ) Times late. NOT on my Spouse 's File though. This is only our XXXX File. But, also as I write right now, this all occurred as I 've been fighting the Company and Credit Bureau 's Tooth and Nail, since XXXX XXXX until Current. Amazing, when I told them if they are going to " Perjure '' themselves on things that never even happened, that they should be smart and look at BOTH our Credit Files and Make Sure they exactly match, and therefore, we would have nothing to possibly complain about. Well, They took my advice ... .BUT, too late. ALL ( XXXX ) Supposed Late 's on Account # XXXX are now COMPLETELY gone from my Spouse 's XXXX File, as well as mine. However, the other Account, # XXXX, still remains on my Spouse 's File, ( with another Lie ), XXXX ... ..And, my XXXX now XXXX, XXXX and XXXX, just recently added a few days ago. Strange, how a Supposed ONE TIME Late in ( 3 ) years all of a sudden appears. Moving Forward : I have ( XXXX ) XXXX Negative Remarks on my XXXX File. However, my Spouse, I believe still has XXXX or maybe ( XXXX ). Furthermore, XXXX is the worse. However, they do have the Identical months and years on both of us. But, these too are just more Lies. NOBODY, and I mean NOBODY, has applied OUR RIGHTS Whatsoever, involving The Fair Credit Reporting Act. I have been doing SO MUCH work between the Creditor ALLY, who claims it 's a " Glitch '', and the Bureaus. Everyone else is getting a Paycheck for ALL the work I 've done, and yet hardly gaining any ground. I was looking at the Class Action Lawsuit against this Company. The reason why was because I was seriously considering one against them myself. Also, not just for us, but for others as well. MOST Accounts, including these ( XXXX ), are JOINT. There is no room for Error. Please Contact this Company and Please just make ALL their LIES disappear. I have Numerous Documents from ALL ( XXXX ) Bureau 's to easily Prove my Case ALL day Long.
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

2016-07-05

Sm, KS

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am
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

2016-07-04

NJ

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so
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