ALLY FINANCIAL INC

2016-04-16

Key Biscayne, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally financial is reporting that I owe {$6600.00} to XXXX and it is reflecting my credit score and the last time it has been update was in XXXX. And it is still reporting as a REDEEMED REPOSESSION but i have the car in my possession
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

2016-04-15

Denver, CO

Using a debit or ATM card

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

2016-04-15

Las Vegas, NV

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
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

2016-04-13

Newnan, GA

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

2016-04-13

Haskins, OH

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

2016-04-13

Smyrna, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I called Ally auto and inquiry about their ally grant program which is for individuals with low income. They did not tell me anything about the grant but other options. I wanted to find out why the grant organization did not tell me about the grant.
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

2016-04-12

Taylor, MI

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

2016-04-12

Kailua Kona, HI

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

2016-04-12

Royal Palm Beach, FL

Problems when you are unable to pay

Consumer Loan: Personal line of credit

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

2016-04-12

Spokane, WA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.
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

2016-04-12

Milwaukee, WI

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.
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

2016-04-11

Jonesboro, GA

Taking/threatening an illegal action

Debt collection: Auto

Attempted to/Collected exempt funds
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

2016-04-11

Leavenworth, KS

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

2016-04-11

Simi Valley, CA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I recently had my XXXX cars, leased through Ally Financial, come to term. With each lease that ended, I experienced problems. On my first lease return, I will not say there was fraud but, there is definitely a policy of collusion and steering by the bank. I was told my buy-out/payoff of the existing lease was $ XXXX. In this car there was a little equity. When I tried to buy a new car from a non-Ally affiliated company, we were told the buy-off amount was $ XXXX more than the original agreed residual amount. After discussing this with Ally, I took my vehicle to an Ally affiliated dealer and the buy-off was only $ XXXX more than my residual. I truly have a major issue with Ally marking up a car where they agreed to take a predetermined amount just because they can but, I have an even larger concern about the legality of charging different companies large varying amounts to encourage business to go back to their partners. It halts competition and injures consumers and consumers choice. On my second lease return, the car had little to no equity. To make the right decision for myself, my family and Ally, I asked to my car to be appraised before I returned it to the dealer. I wanted to know how much Ally would assess me for any wear and tear and damages upon return of the vehicle. This information was to allow me to make the best financial decision for myself as a consumer. If I was to owe a lot of money due to the low equitable position, I may have decided to keep the car. If there was little to no assessed damages, I would considered returning the vehicle and buying a new car. After hours on the phone with no result, I was given only XXXX options, buy the car from Ally at my residual or return it to the dealer and have any assessed damaged levied upon me days after the car return with no ability to discuss or negotiate the cost. I was left with no choice by Ally again. It has to be possible to have the car appraised before you return it but, they did not allow that to happen. These choice-limiting, consumer-injuring tactics ca n't be ok and should be illegal. I will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.
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

2016-04-10

Key Biscayne, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2016 Ally Financial sent me XXXX different letters pertaining to my disputes rewarding inquiries that I observed on my XXXX Report. I wrote Ally Financial a letter on XXXX XXXX, 2016 advising that I did n't recall giving Ally financial authorization to do a hard inquire on my credit report. Ally Financial has placed the burden on me to contact the original institution to verify that the inquire were authorized which is a violation of the FCRA ( 1681 ( a ) ( 4 ). Ally Financial is not acting in good faith because my individual dispute with XXXX regarding the inquire XXXX XXXX XXXX by Ally Financial, XXXX deleted the inquire from my credit report because they were unable to provide me any documentation that gave them or Ally Financial to conduct a hard inquire on my credit report.
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

2016-04-09

Alta, IL

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

2016-04-08

Incorrect information on credit report

Credit reporting:

Public record
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

2016-04-08

Mem, TN

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

2016-04-08

Ashburn, VA

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

2016-04-08

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.
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

2016-04-08

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.
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

2016-04-08

LA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me.
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

2016-04-07

Parker, CO

Application, originator, mortgage broker

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

2016-04-07

Hillsdale, NJ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I have a CD maturing at Ally Bank in 2 days. I called to renew it. XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? I suspect they are lying on the phone.
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

2016-04-07

NJ

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!
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