ALLY FINANCIAL INC

2016-07-03

Independence, KY

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

2016-07-03

Scottsdale, AZ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.
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

2016-07-02

Discovery Bay, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I opened a new joint checking account ( for wedding savings ) as part of my current relationship with Ally Bank, who I have been a customer of since 2007 ( as XXXX Savings Bank ). I deposited {$10.00} into the account, received a checkbook and debit cards which I kept in a locked filing cabinet. I initiated no further activity on the account. Then 2 weeks ago I noticed ( by way of XXXX ) that I had been charged XXXX {$25.00} overdraft fees into this account. When I contacted them I learned that they had rejected XXXX ACH Withdrawal attempts and charged overdraft fees for them : - XXXX - {$490.00} - XXXX - {$490.00} As I work in the XXXX, I know the ACH system well - so when I contacted them I probed them regarding where these withdrawal attempts had come from, as no one would have the routing number/account number combination for this new account. They were unable to provide me any details ( e.g. ACH TRACE, information on the originating financial ( OFDI ) ) to help understand if this was an error on Ally 's part or a legitimate data breach condition. I attempted to talk to people higher up the chain however they were even more opaque on what occurred. Given the young age of the account, I am concerned that Ally Bank was the victim of a data breach and that I am XXXX the first customers to feel the impact of the breach.
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

2016-07-01

Bridgeport, CT

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

2016-07-01

Discovery Bay, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: XX/XX/XXXX someone backed into me in a crowded parking lot and since my car was unable to drive safely the party at faults insurance company was paying for a rental car. I had a meeting I had to attend before the claim number was able to clear the rental. I made a reservation at the local XXXX for a regular small car like a Camry ( do n't really remember type of car ) which was, I 'm told, unavailable after I had arrived and it promised. I was then offered a vehicle which had just come back in and had not been cleaned or gassed up and would I mind and then I should just bring it back the same way. I told them as long as the insurance company would pay for it that I did not want anything they were not going to pay for. I was assured that the cost of the rental would be the same as the vehicle promised and that meant the insurance company would be fine. I gave them the claim number and let them know the insurance company would not have the rental car formally approved for 24-48 hours and they asked if I had a card to secure it I told them I would give them the card number only if they agree to take {$50.00}. off and return it as soon as claim number cleared. The number cleared within less than 24 hours and I assumed all was well at that time. During this exchange I had made the statement 2 or 3 times that only what the insurance company was paying for while they try to up sell insurance and bigger better vehicles. They received a resounding NO! When my car was done approximately 48 hours later I saw the debit on my card for {$600.00}. I went down to the XXXX office I had rented from and XXXX of the XXXX people that was present at the time it was rented was there. When I told him what had happened he went and got his manager out of the back. After about XXXX hours I asked him well what were the charges for. Expecting to hear that there was some mistake I get back from him it was for insurance that was not required and gas {$80.00}. for gas.I then asked if he could show me a copy of whatever gave them the idea that I requested unnecessary insurance and since I picked up the vehicle with no gas that 's how i was told to return it.After another hour or so I asked if he found it and he was still looking for it. I verified they closed at XXXX that day and I had to go but call me by the end of the day with an update and if I did n't hear from him I would report it to my bank as an unauthorized debit which is what I did on XXXX/XXXX/2016. After a couple of calls asking why it had not been credited back they finally did so on XXXX/XXXX/2016. On XXXX XXXX I noticed it had been deducted again so I called at least half a dozen times looking for answers I emailed them and until yesterday had no idea what was going on. On at least XXXX occasions was told they had mailed it to me and all I had received was a letter thanking me for notifying them of my address change which was done on the XX/XX/XXXX phone call. Yesterday I received a call from XXXX in Texas who tells me they had determined it was a merchandiser dispute and to take it up with them. XXXX nor anyone else I spoke to had any idea what the circumstances were until I told them furthermore just because they consider this a dispute with the merchandiser it still is an obvious unauthorized debit and instead of them playing judge and I 'm their customer in long standing with them and this being the first problem instead of me being told to take it up with the merchant it should be them telling the merchant they need to take it up with me. I 'm at a loss what do I do now? How do I get my money back? Do I have to take them to small claims court? Since my move I have not been able to locate the original copy of the contract either but they have n't been able to since day one and honestly felt it was over and it had been taken care of. after all it had been 3.5 months. ALLY ONLINE BANK AND 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: No Timely Response

2016-06-30

Succasunna, 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

2016-06-29

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 monetary relief

Disputed: No Timely Response

2016-06-29

Choctaw, OK

Other

Credit card:

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

2016-06-29

Baker, LA

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

2016-06-28

Bethlehem, 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: Yes Timely Response

2016-06-28

Orange Park, FL

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

2016-06-27

Wallington, NJ

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.
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

2016-06-23

Clay Hill, 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

2016-06-23

Wrentham, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: We had a negative account balance for over six days in XXXX of XXXX accounts that we have with Ally Bank. They have a policy to freeze your account and then - this is the big issue - subsequently put a 5 business day hold on any deposits for six months ( or more, I 'm a little unclear on the timeline ) following this incident. As they are an online bank with no physical locations, the only way we can access funds is either through direct deposit or a mobile check deposit. We have some direct deposits, but most of my income is as a freelancer who gets paid in small, handwritten checks. A one week delay of access to most of the money I receive is incredibly hard on us and of course makes it more likely that we 'll run into trouble with overdrafts and a negative balance. Their policy really seems to encourage exactly the thing that got us into trouble in the first place.
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

2016-06-22

Austin, TX

Other

Credit card:

Complaint: I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and over
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

2016-06-22

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.
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

2016-06-21

Tolleson, AZ

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

2016-06-21

Hon, HI

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Ally bank decide to put a restriction on my saving account without letting me know. There is no way I can get the money back. Our hard earned money! And still they say they rated XXXX 5 years in a row.
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

2016-06-21

VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back
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

2016-06-20

Sacramento, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.
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

2016-06-17

Northside, 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

2016-06-17

Colts Neck, NJ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not disclosed as an attempt to collect
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

2016-06-17

KS

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am a XXXX Veteran. On XXXX XXXX, XXXX I had Total XXXX to repair an issue I 've had since I was XXXX to XXXX in XXXX. Before my XXXX, I contact Ally Financial to work out an arrangement so that I would not go delinquent on my car loan. I was not given any options to prevent this from happening. As I was unable to work and I had to wait for the VA to approve my Temporary total XXXX for my XXXX, I was unable to make a payment. I contacted them again once I was able to make a payment and was then able to make a payment arrangement, however, because of Ally 's unwillingness to help before that point, my credit score took a XXXX point hit. I am in the process of trying to purchase a house and with this late and the hit to my score, I am unable to use my VA 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

2016-06-16

PA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Requested Ally a car loan company not to contact my husband at his job. Also emailed them to stop calling my husband at his job. He is not permitted to get calls at work. I asked and sent an email to have it stopped.
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

2016-06-16

Providence, RI

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.
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