ALLY FINANCIAL INC

2019-08-09

Church Point, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-09

Hephzibah, GA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-09

IN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: XX/XX/2019 I was denied credit by Ally Bank due to XXXX , XXXX credit reporting. However, I did purchase the vehicle finance by another Bank. XXXX , XXXX is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-08

Big Spring, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-08

New Phila, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-08

Pinellas Park, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I originally had a vehicle loan through Ally. On XX/XX/2019 I was approved to refinance the loan through XXXX XXXX XXXX XXXX. I contacted Ally and asked for the Payoff amount. They gave me the amount of {$14000.00} and said that amount would be good until XX/XX/2019. I asked if they would notate my account that I would be mailing them a check to pay off the loan. They said they notated it. I put the check in the mail on the same day, Wednesday, XX/XX/2019. Monday XX/XX/XXXX I called Ally and spoke with a Manager by the name of XXXX. He said they had not yet received the check and to keep checking my online account for it to post and call back in a few days. He said he did not see any notes in my account but would notate the account himself, that there was a check in the mail. Friday XXXX I called and was not able to speak to XXXX again and was told they had not received the check. I waited a few more days. On Wednesday XX/XX/XXXX I called Ally and was told XXXX wasn't available. So, I requested another Manager. I was told there was not a Manager available, they were busy and one would give me a call back. I explained the situation to the United States Rep on the phone. I told her I was worried about getting any type of fees because they hadn't received the check yet. She assured me that if there were any fees assessed they would be waived and adjusted once they received the check. She also said she didn't see where there were any notes in my account but that she would write some and claimed she was writing them while we were on the phone. She promised a Manager would call me back shortly. I never got a call back. Monday XX/XX/XXXX I called Ally again. I talked to a Manager by the name of XXXX. He told me that they had not received a check, that a late fee and daily finance fees had been added to my account balance and that even if they received the check they could not accept it if it did not include an additional amount now due of {$220.00}, to cover the additional charges. I explained how I was told any fees would be waived and it doesn't make sense how they don't have the check nor, has it been returned to me. He told me Ally was not at fault here and if I wanted to pay off the loan it had to be paid in full, including the new charges. I ended the phone call and went in to XXXX XXXX to see if they could help in any way. XXXX XXXX was shocked by the behaviors of Ally and was very apologetic there was not much they could do to help, other than, completely redo the loan, cancel the 1st check and write another check. I didn't want to take another hit to our credit. Reworking the loan required another application being ran with a credit inquiry. So I left and decided to wait a few more days. Around XXXX XXXX on XX/XX/2019, I received an automated call from Ally asking for the past due payment. The next morning XX/XX/19, I went back in to XXXX XXXX. I had them cancel the missing 1st check and write a new check with the same, original payoff amount. The Manager of the Bank offered to overnight the check through XXXX XXXX. I called Ally and confirmed the address. The 2nd check was sent through XXXX XXXX on XX/XX/19. It was received and signed for by an Ally employee in the payment processing center on Friday, XX/XX/19 at XXXX XXXX. This info I confirmed using the tracking # on the XXXX XXXX website. I called Ally and spoke to a Manager named XXXX. I explained the whole situation and told her I know for a fact they had received the 2nd check. She said she was going to track down the check and call me back. Nobody called me back and per my online account nothing had posted. I waited for a few more days. On Wednesday XX/XX/19 I received a letter from Ally and the 1st check. The letter was dated XX/XX/19, the envelope was postmarked on XX/XX/19 and I received it on XX/XX/19. The letter said the check was not correctly endorsed so they could not accept it. I took the check to XXXX XXXX and they said it was correctly and fully endorsed, there was no reason they shouldn't have accepted it. Instead of calling Ally, on Wednesday XX/XX/19, I attempted to get help using their online chat. I have a copy of the chat I would like to submit. The result of the chat was a recommendation to call in to customer service. So once again I called Ally. This time I spoke with a Manager named XXXX. I explained the whole situation and at this point how worried I was about them reporting something to the credit bureaus. I told her I had filed a complaint with the XXXX and you all. I also told her I had consulted with an Attorney to file suit if need be. She asked for my Attorney 's name and I refused to tell her. XXXX promised she was going to do her best to help me and not to worry about anything reporting to my credit. She put me on hold several times, for over an hour, ending with her saying she would call me back. I explained how many times I had been told that and reminded her of the length of time this had been going on. She gave me her personal phone # and told me I could call her if I didn't hear from her. Again, that was on Wednesday, XX/XX/19. I didn't hear back from her so on Friday, XX/XX/19, I checked my online account with Ally. The Loan was completely gone. There was no payment history, nothing. I thought it was finally taken care of and this nightmare was over. Tuesday morning, XX/XX/19, I received an email with a negative credit alert. I opened it and it was a more than 30 days late, missed payment, reported by Ally Financial. I immediately called XXXX at Ally. She didn't answer so I left her a voicemail. I left 3 voicemails on XX/XX/19. On XX/XX/19, I received negative alerts from all 3 credit bureaus in regard to what Ally reported as well as, my Husband and I both lost over 50 points each on our credit scores. I again called XXXX and through out the day, I left 4 voice mails. Around noon on XX/XX/19 XXXX returned my call. She apologized for the delay in getting back to me. She said she had trouble locating the payment however it was now posted and the loan was paid off in full. I asked her about them reporting against our credit and she said said that it should have never happened this was all their fault and they would be submitting requests to the bureaus to remove it from our reports. Unfortunately, even if they do that, our points are gone! We ended the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Everett, WA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I recently tried to buy an XXXX and sent the {$400.00} as payment through XXXX. I have sent the payment under the impression that Ally Bank has protection if this would be a scam. I sent the amount to the person through XXXX and was waiting on the product on XX/XX/2019. The person never sent it to me and took my money. After that, I reported a problem with Ally with the impression that they will investigate and get my money back. They did not. They say that I sent the money and said that they can't do anything. I have written confirmation from the Ally Representative that if the item would not be sent I would have protection to get a refund. Then I spoke with Ally representative to start this investigation and he said that it is out of there hands. NO HELP and Claims not provided. Dishonest practice. Chat start time Sat, XXXX XX/XX/2019 XXXX XXXX XXXX Chat end time Sat, XXXX XX/XX/2019 XXXX XXXX GMT Duration ( actual chatting time ) XXXX Operator XXXX Chat Transcript Info : Welcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you as soon as possible. If youve tried to reach us lately, youve probably found our lines to be longer than usual. Were sorry for the inconvenience, and were working on it. Chat Log : You are number 1 in the queue. Thank you for waiting. Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting. Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting. Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting. Info : You are now chatting with 'XXXX ' XXXX : Hello, this is XXXX from XXXX . Thank you very much for waiting, I greatly appreciate your patience today. We are currently experiencing higher chat volumes than normal, and I am terribly sorry for the delay this has caused. How may I assist you today? XXXX : Im trying to buy a phone online and the person wants to send the iphone as delivery. If i send the money through XXXX and he doesn't send the iphone, do i get my money back? XXXX : protection using XXXX on Ally. XXXX : I can certainly look into this for you, XXXX. XXXX I have XXXX-5 minutes? XXXX : yes XXXX : Thank you for waiting. I'll be with you in just a moment. XXXX : ok XXXX : I'll be right with you. XXXX : ok XXXX : Thank you for your patience. You would be able to dispute the XXXX transaction in this case, yes. XXXX : The transaction would then be investigated by our disputes team, who would work on having the funds returned to you once it is determined that you did not receive the merchandise. Info : The chat transcript will be sent to : XXXX at the end of your chat. XXXX : Was there anything else I could assist you with today? XXXX : I have not heard from you for a few moments. Are you still with me? XXXX : Im sorry that we're not able to continue our conversation. Since I have not heard from you for some time, I am going to close this chat. If you need any help in the future, please do not hesitate to contact us XXXX via chat, email, or by calling XXXX ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-07

NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: I leased a XXXX XXXX XXXX in XX/XX/XXXX ally financial was the creditor I ended up filing bankruptcy and had it discharged in XX/XX/XXXX. But I reaffirmed the XXXX XXXX XXXX I made all the monthly payments and even paid it off early in XX/XX/XXXX and returned truck to the dealership. Now Ally Financial has put on all three of my credit reports under " REMARKS '' that this debt was a chapter XXXX bankruptcy. i explained numerous times and even sent e-mails to a woman named XXXX that works for Ally in the customer relations department that this information is inaccurate. I have recorded conversations of her refusing to change it. She says its up to the credit reporting agencies to correct it. This is a violation of the ( FCRA ) If Ally refuses to correct the FALSE & NEGATIVE information on my credit reports I would like have file a lawsuit for actual damages, punitive damages, attorney 's fees and cost. This WILLFUL VIOLATION is intentional It has caused financial problems and causing me emotional stress. I hoping that Ally Financial will correct this information before legal action is necessary. IF A CONSUMER REAFFIRMS A DEBT THE CREDITOR IS OBLIGATED TO TREAT IT AS NO BANKRUPTCY HAS EVER A CURED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Lena, OH

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Randolph, MA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Portland, OR

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

Los Angeles, CA

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Timely Response

2019-08-05

Brooklyn, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: I was approved for 4,67 % APR through XXXX XXXX, all the sudden once I applied it raised to 10.75 % APR, it is a false advertising and it is illegal, if they will not fix their own mistake I will sue them. XXXX is their website, it is not listed as financial institution on your website thus I put XXXX
Company Response: Closed with explanation

Timely Response

2019-08-05

Val Verde, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Ally Financial incorrectly reportedmy account as being 30 days late for about 5 months. Before the incorrect reporting, I contacted Ally and was placed on an agreement plan that the account would not be reported late as i needed to change the due date temporarily. I noticed tbis year of the incorrect report and contacted XXXX 5 times and XXXX filed the dispute on my behalf to Ally. Ally has incorrectly changed my report 5 times after every dispute with XXXX. They keep changing something with every dispute. They have been given more than enough times to correct my report but yet they have not. They are abusing their authority and should only be given 1 chance to correct a report. However, witb every dispute they seem to make another " mistake '' and make yet another incorrect change.
Company Response: Closed with explanation

Timely Response

2019-08-05

Jackson, MI

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Detroit, MI

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-04

Milwaukee, WI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: E check deposit was approved by Ally Bank for XXXX dollars After three days check was return deposit. After deposit I suspected fraud. I contact Allybank onXX/XX/XXXX . I was assured by customer service that check was honorable. On Tuesday XX/XX/XXXX I moved funds out of acoount to pay for so called loan insurance OnXX/XX/XXXX check was returned by bank on XX/XX/2019 Ally bank absorbed direct deposit check from my pension . Account still XXXX dollars overdrawn. XX/XX/2019 I spoke AllyBank operation was told I was responsible entire overdraft. How does a consumer verify checks it banking institution cant. I was told in a matter of fact way and a cold way that ther is no way out. Its no wonder consumer hate banks. I have already in formed bank of my refusal to accept full penalty. I change to another bank. I will not fund Allybank account anymore. I was scam just like they were. Im already embarassed and humiliated I wont take anymore0
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-04

Walthill, NE

Incorrect information on your report

Vehicle loan or lease: Lease

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

Timely Response

2019-08-03

Lb, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I disputed a charge in on or about XX/XX/XXXX for a charge from XXXX XXXX XXXX. I cancelled the service and was charged and mailed out a package. I refused the package and it was returned to XXXX XXXX XXXX. I was refunded by Ally Bank shortly there after. On XX/XX/XXXX my account was deducted the same amount {$170.00}. Ally Bank is claiming it was a valid charge because XXXX XXXX XXXX claimed they didn't receive the package back. I spoke to XXXX & XXXX and they stated that sent a refund around XX/XX/XXXX and then Ally said they pulled it back because they didn't receive the package. After four hours of going back and forth I found out that the XXXX tracking number confirmed they did. Every time I call Ally I have to speak to someone else and tell the same story over and over. They advised they mailed a letter on XX/XX/XXXX to date I haven't received it. They advised they escalated it on XX/XX/XXXX and someone would call in 2 days. No one has called. Ally blames XXXX XXXX XXXX and vice versa. I am stuck in the middle and Ally refuses to help me other than tell me send me back & forth between Ally XXXX XXXX XXXX XXXX. I have been disconnected while sitting on hold, no one calls back. I have given Ally tracking numbers, at their request to be later told they can't look it up. Meanwhile I am still out {$170.00} and get the run around EVERY. SINGLE TIME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-03

Natrona Hts, PA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-02

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-02

Phoenix, AZ

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-02

Reno, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Ringgold, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have bank with Ally for roughly 8 years between 4 different auto loans between joint with my wife or just myself. At least once a year I make a Lump Sum principal payment to reduce my overall due and reduce my monthly payment. I made one on XX/XX/XXXX which per company guideless is required to be equal to 4 months worth of payments ( XXXX x 4 = {$1100.00} XXXX I paid {$1200.00}. The company via 7 different call, numerous emails as messed it up this time around. I was paid ahead tillXX/XX/XXXX after myXX/XX/XXXX payment & before the Lump. They gave me the option to move my monthly forward to help. I agreed toXX/XX/XXXX without issue. However, monthly has still not lowered they are asking me what it should be. When my loan went into play XX/XX/XXXX my payments were slated at {$310.00}, the first Lump was XX/XX/XXXXfor {$1300.00} which reduced me by {$22.00}. Not sure what the issue is this time around
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with monetary relief

Timely Response