ALLY FINANCIAL INC

2016-05-26

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

2016-05-26

Oregon City, OR

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 monetary relief

Disputed: No Timely Response

2016-05-25

Columbus, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.
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

2016-05-24

Walnut Spgs, TX

Account opening, closing, or management

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 non-monetary relief

Disputed: No Timely Response

2016-05-24

Dellslow, WV

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

2016-05-24

NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.
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

2016-05-24

South Bend, IN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.
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

2016-05-23

South Florida, FL

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.
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

2016-05-23

Tonalea, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.
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

2016-05-22

Euclid, OH

Communication tactics

Debt collection: Auto

Called after sent written cease of comm
Complaint: Repeat ly calls 7 days a week 6 times a day for months this is my work ph and I asked to stop and they refuse and I am not even behind I have XXXX payments left
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

2016-05-22

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: Yes Timely Response

2016-05-21

Palmer, AK

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

2016-05-20

Ridley Park, 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

Disputed: No Timely Response

2016-05-20

Chicago, IL

Problems caused by my funds being low

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

2016-05-20

Effingham, KS

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

2016-05-20

TX

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for 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

2016-05-20

Ferndale, NY

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

2016-05-19

Franklin D Roosevelt, NY

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

2016-05-19

Allenwood, NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.
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

2016-05-18

AZ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.
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

2016-05-17

Tulsa, OK

Shopping for a 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

2016-05-17

Grosse Ile, 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 monetary relief

Disputed: No Timely Response

2016-05-17

Chester, VA

Incorrect information on credit report

Credit reporting:

Information 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

2016-05-17

Palmyra, MI

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: XXXX, XXXX/XXXX/16, I received two different phone calls, one on my home phone and one on my cell phone, within XXXX minutes of each other. The calls where from an Ally Financial group. When I answered the phone I was greeted with an answering machine staying they were trying to collect money from me. I did not or do not have any kind of money arrangement with them When I finally got to a real person I asked them, who they were trying to call on my numbers. They did not answer me, so I asked where they had gotten my numbers from. I do not think they suddenly came out of thin air. They would not answer me. I asked to speak to a supervisor, but was told they were in a meeting. I called back a second time and got the same routine from a different person. They would not tell where, or why, they got my telephone numbers. Especially my cell phone. My guess is that they are trying to contact someone I know. They had to business hitting me with a statement about collecting money from me with a answering machine and I am really upset that they had my cell phone. I did talk to XXXX today about this company. They told me that there have been, if I heard them right, that this Co has had over XXXX complaints against 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

2016-05-17

Fort Lauderdale, FL

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