ALLY FINANCIAL INC

2015-11-30

Mem, TN

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

2015-11-30

Barnsboro, NJ

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

2015-11-30

Atl, GA

Communication tactics

Debt collection: Auto

Used obscene/profane/abusive language
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-30

PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-30

Oxford, GA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-28

San Francisco, CA

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-11-27

Bear, DE

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: Yes Timely Response

2015-11-27

Mill Creek, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-27

AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-11-25

Manhattan, NY

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 explanation

Disputed: Yes Timely Response

2015-11-25

Winston Salem, NC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-25

Oxford, GA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-11-25

Quartzsite, AZ

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-24

Gaithersburg, MD

Account opening, closing, or management

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

2015-11-23

Penn Yan, NY

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: My father had a car lease through Ally bank. He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. He paid his XXXX lease payment. I am his son and co-executor of his will. I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. I do not have a copy of the lease contact. I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-22

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Auto

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

Disputed: Yes Timely Response

2015-11-22

Beverly Hills, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-21

Albuquerque, NM

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

2015-11-20

Ridley Park, 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

2015-11-20

Sherman Oaks, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: Yes Timely Response

2015-11-20

Lenzburg, IL

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

2015-11-20

Clayton, MO

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-20

Newnan, GA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Interest rates seemHigher than normal rates even with credit worthy co signer
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-20

Mount Holly, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-11-20

Newnan, GA

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