ALLY FINANCIAL INC

2015-12-22

Dr Martin Luther King Jr, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-12-22

Kings Ferry, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-12-22

CA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-21

East Liberty, PA

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

2015-12-21

Jacksonville, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-12-19

Murray, UT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-18

Arden, NC

Deposits and withdrawals

Bank account or service: Savings account

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

Disputed: Yes Timely Response

2015-12-18

Cheverly, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-12-18

San Gabriel, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! Please please help us. Thank you XXXX and XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-17

Lake Lotawana, MO

Shopping for a loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-12-17

Mc Kinney, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: For financial reasons I need a copy of a loan document from 2008. The mortgage was with GMAC, now known as Ally Bank and Ally Financial. Ally 's XXXX customer services lines provide no help. They have no record of my loan number or even my SS #. I have been given XXXX other numbers to call. XXXX are " not in service '' the other rings and a recorded message answers ( without identification of the company ) and asks callers to leave their ss # on the recording. The Ally website has no phone number for the corporate office and the customer service reps do n't either. When I called the XXXX department, that number also asks the caller to leave a message and once again the recording does n't identify the company. How can a financial company, let alone a public company, be permitted to remove its managers and executives from contact. I am going to lose a contract on a house because I can not get a copy of an old loan document.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-16

Olmos Park, TX

Problems caused by my funds being low

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-12-16

El Cajon, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-12-16

Three Bridges, NJ

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

2015-12-16

St Heights, MI

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-12-15

Chef Menteur, LA

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

2015-12-15

Simi Valley, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-12-15

SD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-14

East Rockaway, NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: On or about XXXX XXXX 2011 we sent certified letters to Ally Financial to dispute the end of lease charges via certified mail, which have never been answered to date. Since Ally never answered we decided to make the payment as the company said it would be charged off and sent to collections plus also place a negative file on my credit. The amount was paid in full and they still place a negative mark on my credit report. The 39 monthly payments have all been made timely, all extra charges at lease end were disputed as it is my right. for your help with this matter.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-13

Hamburg, NY

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: As part of a new lease agreement that I made through my dealership, I agreed to pay the remainder of my lease payments on my existing lease to the dealer. I signed the documents, furnished a lump sum for the remaining payments, and took delivery of the new vehicle and returned my old vehicle the next day. At the end of that week, I received a notification that my payment on the previous lease had been taken out of my bank account. I called Ally Financial, explained to a customer service representative that I had returned the vehicle under that lease to the dealer at the beginning of he week, and that I had paid the remaining lease payments as part of my new agreement. After belittling me and telling me that I still owed the payment as well as the remaining lease payments as if I had n't just explained the situation XXXX different ways, the customer service representative told me that I might want to call my dealer because they have no info showing that my lease had been terminated. I spoke with the salesman that I had dealt with throughout the lease process, and he told me that the processing might take some time. Now there are XXXX parties pointing fingers at one another. I called back Ally a week later, and spoke to another customer service representative who told me that they had received the remaining lease payments and notification that the lease had been terminated. Good, so how about refunding my extra lease payment? Ally refused to do that. They told me that they would evaluate the situation after the car was sold at auction and decide then whether to refund me the EXTRA payment. Again, they told me to talk to my dealer. I left my salesperson a more somber correspondence because at the point I had become more than frustrated. I missed a package delivery from Ally financial later that week, which I expected to be my refund check. I went to the post office today to get the package, and of course it was n't a refund check. Rather, it was a notice of intent to sell my vehicle advising that I order a XXXX party appraisal on the vehicle in case there is a dispute over the value. I see where this is headed. I returned my car with no scratches, dents, or issues with under XXXX miles less than the lease agreement allowed. And I have not been in possession of the vehicle for almost a month so I have no clue how they would expect me to obtain an appraisal at this point. Refusing to return an over-payment is n't only unfair, deceptive, and abusive, it 's consumer theft. I have paid every single payment for almost three years on-time and took wonderful care of the vehicle for the duration of the lease. I had considered purchasing the car at the end for the initially agreed on price, because it is probably worth much more than that number given the condition and the lack of miles. Unfortunately I made a grave misstep and now I 'm stuck being given the runaround by a predatory financial institution.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-11

Indianapolis, IN

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-10

Swiftwater, PA

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: Yes Timely Response

2015-12-10

Folsom, CA

Taking out the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-12-09

Irvine, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

Disputed: No Timely Response

2015-12-09

Tylertown, MS

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