ALLY FINANCIAL INC

2016-02-08

Bridgeport, CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.
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

2016-02-07

Foster, OH

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

2016-02-07

Soquel, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. Note : We wo n't charge you to receive a wire transfer into your Ally account. XXXX END ALLY WEBSITE INFO XXXX
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

2016-02-07

Sioux Falls, SD

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

2016-02-07

Scottsdale, AZ

Credit decision / Underwriting

Mortgage: Other mortgage

Complaint: Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-07

Cheverly, MD

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-02-06

Cherry Brook, MA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.
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

2016-02-05

Anaheim, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! This company is a complete SCAM!!!! I will either pay this loan of this week or refinance 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

2016-02-04

Fort Worth, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Jamesburg, NJ

Problems when you are unable to pay

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

2016-02-04

Fort Washington, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Dallas, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I submitted my claim as -borrower with XXXX XXXX he received a settlement I have not. I am XXXX XXXX I need to know why I did not receive a payment also?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Weston, CT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. They will not relent.
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

2016-02-04

KS

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!
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

2016-02-03

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-02-03

Plant City, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-03

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Lansing, IL

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

2016-02-02

Salem, OR

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Kansas City, MO

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Lewisville, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. I only found out that ally was my lean holder 2 years later when allotments stopped. the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... they cant get away with this, I am a XXXX veteran
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

2016-02-02

Euclid, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial reported false information about me to multiple 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

2016-02-01

FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-01

Lithonia, GA

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

Philadelphia, PA

Unsolicited issuance of credit card

Credit card:

Complaint: I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.
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