ALLY FINANCIAL INC

2016-04-07

Mill Creek, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.
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

NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. " XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.
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

2016-04-06

Castaic, CA

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

2016-04-06

Brownstown, MI

Communication tactics

Debt collection: I do not know

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

2016-04-06

Leeton, UT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.
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

2016-04-05

La Vernia, TX

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 non-monetary relief

Disputed: No Timely Response

2016-04-05

Berkeley, 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: Yes Timely Response

2016-04-05

Las Vegas, NV

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

2016-04-05

CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.
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

2016-04-03

Milwaukee, WI

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

2016-04-02

FL

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. This item Ally Auto Fiancial is inaccurate because of the following reasons ; Kindly take a moment to review the enclosed copy of the letter sent to the above named agency on XXXX/XXXX/XXXX, which they have yet to respond to. As illustrated in such letter addressed to Ally, I am being held responsible for a balance I am no longer responsible for due to negligence on their behalf in many dimensions. To begin, the mentioned XXXX Mazda 3 vehicle purchased at XXXX XXXX XXXX in XXXX XXXX was financed through Ally. Ally and the assigned financial agent at the auto dealership had me return to re-sign the purchase agreement documents twice after the initial contract/taking the vehicle out of dealership grounds. Making it a total of 3 times Ally required me and my cosigner to return and redo the financial agreement paperwork. As a professional and experienced lean holder, Ally failed to ensure the vehicle was appropriately insured XXXX continuous times before removing the vehicle off of the dealership grounds. As a first time car buyer, and as a guarantee to the lean holder, it is in their policy to make sure I the buyer obtain appropriate insurance coverage before even signing the finance documents and take the vehicle home. Ally failed to do this XXXX consecutive times. On XXXX XXXX, XXXX I was involved in an automobile accident on the XXXX XXXX of XXXX XXXX. and XXXX XXXX XXXX. in XXXX XXXX XXXX, FL at approximately XXXX. This event occurred when an unconscious driver rear ended my and XXXX other vehicles at a recorded approximate XXXX-XXXXmph while at a red light. Causing my vehicle to be declared at a total loss per XXXX XXXX XXXX XXXX appraiser. ( insurance carrier of at fault driver ) Following the hospital visit, of which event has left me with XXXX in XXXX and XXXX in my XXXX, the claim process began where because of Ally 's negligence to perform typical procedures as a lean holder, the Gap insurance Ally insisted I obtain at the XXXX signing, did not serve its purpose, leaving me with a {$15000.00} debt now affecting my personal credit. The reason why this should not be held against me is because Ally failed not only to ensure the vehicle had proper coverage but they failed to submit appropriate financial agreements 3 times as well as the main issue here which was surrendering the vehicle and title of ownership to XXXX XXXX XXXX XXXX despite my request for Ally NOT to do so because this agency was not paying the car loan. I stated that I wanted to get the vehicle fixed with the monetary compensation of {$7000.00} towards repairs/loan balance, and I would continue paying my monthly car payments. I strongly emphasized that the insurance adjustor XXXX XXXX from XXXX XXXX was not performing his job with integrity and that he was not to obtain any releases for the vehicle nor the vehicle title because he was not paying out what was owed and I did not want to be left with the remaining debt. I clearly stated " do not release the vehicle nor the title, I will get the car fixed and continue making payments '' Despite my strong and clear emphasis, Ally failed again, and released the vehicle title and vehicle to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX . In addition to this, legally, per insurance fraud special investigation unit consultant ( name of agent available upon request ) I did not own the vehicle nor did I have title rights, therefore Ally acted at their own judgement as sole owners of this vehicle. What XXXX XXXX XXXX did in efforts to obtain this vehicle on behalf of his employer and ultimately sell it at an auction was unethical, and illegal. Hav
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

2016-04-01

CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified immediately.
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

2016-04-01

Cleveland, OH

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: Yes Timely Response

2016-04-01

TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.
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

2016-04-01

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my 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

2016-04-01

Memphis, TN

Account opening, closing, or management

Bank account or service: Savings account

Complaint: On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.
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

2016-03-31

Kansas City, MO

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

2016-03-30

Winnsboro, LA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Ally Bank is scamming customers with a history of overdraft issues. Only with people with a history of overdrafts in the last 6 months find themselves in this situation. If I know I need to make a deposit in order to cover a debit, when I make a deposit, they will go from the standard 1-2 business days before the funds are available to 5 business days for those that have a history of overdrafts. It seems they are doing this intentionally in order to force a person into an overdraft situation in order to glean overdraft 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

2016-03-29

Caro, MI

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
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

2016-03-29

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

2016-03-29

Margate, FL

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.
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

2016-03-28

Key Biscayne, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.
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

2016-03-25

Buckingham, 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 monetary relief

Disputed: No Timely Response

2016-03-25

Bel Air, MD

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

2016-03-25

Sugar Land, 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 explanation

Disputed: No Timely Response