ALLY FINANCIAL INC

2016-06-16

Clermont, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.
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

2016-06-16

OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My bank is charging overdraft fees on the exact same days that they are posting my deposits on my account. I DO NOT HAVE NEGATIVE BALANCES ON MY ACCOUNT. I called and complained to the bank representative about this issue. He CONFIRMED that the bank was charging overdraft fees on the days that they post my direct deposits. KNOWING THIS, he refused to refund the fees.
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

2016-06-16

Tucson, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.
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

Ocklawaha, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.
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

2016-06-15

Moultrie, GA

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

2016-06-15

Bellevue, TX

Deposits and withdrawals

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 non-monetary relief

Disputed: No Timely Response

2016-06-15

Columbus, OH

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car [email protected] % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!
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

2016-06-14

Auburn, ME

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2016-06-14

CT

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to me
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

2016-06-14

NY

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I have fulfilled my contractual obligations to the letter, but I must say that my relationship with Ally has been onerous, to put it mildly. In fact, the very name, " Ally '', belies every single customer service encounter I have had with your institution. The Ally Auto website touts, as a feature, the ability of a lessee to transfer the contract to another party. However, the bank has managed to insert roadblocks every step of the way. Beginning in late XXXX, a series of applicants were denied, in a long, drawn out process. ( Credit decisions with other bank institutions are typically rendered in minutes or hours, not weeks ). XXXX of their customer service representatives actually had the temerity to tell me that individuals might be denied if their credit history was " too good ''! I found this to be an incredible admission. The credit department finally accepted a credit application early XXXX, ( after I made it crystal clear that I was seeking legal remedies ), but will not allow the process to move forward due to a product safety recall on the vehicle which was issued by XXXX on XXXX XXXX, AFTER I initiated the lease transfer process. ( It should be noted that this is a voluntary manufacturer recall, as opposed to XXXX mandated by our government ). At the present time, General Motors has not provided a " fix '' or remedy for this voluntary recall, and there is no scheduled date for the release of XXXX. I was told it could take at least 6 months or more. Ally has stood by their claim that they are held accountable which is why a lease transfer can not take place as long as this recall is outstanding on the vehicle. However, I have been assured by my legal counsel that the concept of " vicarious liability '' ( between registrant and owner ) is not applicable in New York, which is where I, as well as my applicant are located.This is a XXXX ( safe enough for the but not for me? ). Since I have been a perfect paying customer, I have come to believe that these lease transfer obstructions are a deliberate, and quite obnoxious effort to undermine my attempts. Ally 's policies even prevent me from selling the car to a third party. I have been told from an industry professional that this is unprecedented in the industry. I have fulfilled all of my contract obligations, and am in my right to transfer the lease of this vehicle. There is nothing in my contract or on the Ally website that discloses reasons why a lease transfer can not occur except for the fact that an applicant could be denied. I would gladly fix the recall, with the exception that XXXX has NOT released a remedy yet ... I have written a letter and email to the CEO and President XXXX at Ally, I did receive a call from a rep. ( I missed the call ), which I have called back XXXX-4 times, left messages, and have not heard back in over 1 week. Ally is known for this ... I have seen it on many forums online, as well as someone else that I know who is in the same predicament. Additionally, to buy the vehicle, Ally is adding their own fees into the buyout cost - I could n't even buy the vehicle and eventually re-sell it if I wanted too because it 's too expensive with their own feeds they add in ( about {$2500.00} ).
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

2016-06-14

OH

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports
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

2016-06-12

Canton, MI

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

2016-06-12

Fairfax, VA

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 monetary relief

Disputed: No Timely Response

2016-06-11

Bel Alton, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!
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

2016-06-10

IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.
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

2016-06-10

OK

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I received my signature card in the mail after opening a savings account. The signature card revealed my entire social security number. I felt like this was not a good practice to expose the entire social security number of the customer, especially through XXXX mail. I felt as though they were setting me up for identity theft. I called twice to complain and I was told it is simply their policy. I had no idea my personal information would be tossed around so carelessly by Ally Bank.
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

2016-06-09

Greenbelt, 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 explanation

Disputed: No Timely Response

2016-06-09

Bradley International, CA

Making/receiving payments, sending money

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 non-monetary relief

Disputed: No Timely Response

2016-06-09

MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.
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

2016-06-09

Spring Hill, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This is a follow up to a previous complaint against Ally Bank. I had taken out a car loan on a XXXX Cadillac Escalade through GMAC, at some pint to loan was assumed by Ally Bank. The loan was paid in full and I received clear title from GMAC. Ally claimed that I still owed them over {$4000.00} and made negative reports to the credit bureaus. After my last complaint, they sent me a letter stating they would remove all negative reports ( see attached letter ). They also generated a XXXX stating I need to claim the " write-off '' on my XXXX taxes. I do not. They are still showing on my credit as " derogatory ''.
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

2016-06-08

Dubberly, LA

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

Disputed: No Timely Response

2016-06-08

Choctaw, OK

Billing disputes

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

2016-06-08

Land O Lakes, FL

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

2016-06-08

Tacoma, WA

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 explanation

Disputed: No Timely Response

2016-06-07

Shreveport, LA

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