ALLY FINANCIAL INC

2015-10-30

Macclenny, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-30

Atlanta, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-29

Miami, FL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2015-10-29

CT

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I had XXXX accounts with Ally Bank. XXXX was a checking account, which I used for my small business, and the other was a savings account held jointly with my wife. In XXXX I received a substantial tax refund from the IRS, which I deposited in the savings account. A few days later, I noted that the account had been frozen and I called Ally Bank to ask why. The Customer Service rep told me that my wife and I were suspected of fraud, based on information received from the IRS. As directed by the rep, I called XXXX XXXX ( ( XXXX XXXX XXXX ) of the Loss Prevention Department. She told me that the funds were being sent to the IRS, but she refused to give me any information on which department of the IRS had requested this, who I should contact, or how I should go about getting the funds returned. After many hours of calling different IRS departments, I finally located the responsible division of the IRS - the Identity Theft Department in XXXX, TX. They told me that, while they agreed I was entitled to the money, they wanted to make sure that I was actually the person who had filed the return and deposited the money. After a XXXX minute conversation, I managed to verify my identity to their satisfaction and they agreed to re-send me the check. However, the next time I checked on my Ally account, I found that the savings account had been closed. I called XXXX XXXX again, and she was unable to say any more than that Ally had decided to close the account because of the involvement of the IRS. I asked to speak to a supervisor and she transferred me to XXXX XXXX ( XXXX XXXX XXXX ). He told me that Ally could close any account they wanted, for any, or for no reason. I asked him whether he felt that Ally had a duty to act reasonably in dealing with their customers, and he replied that they did not and that they could do whatever they wanted with regard to customer accounts. I asked him who had authorized the account closure and he declined to identify any individual, saying only " the Loss Prevention Department ''. I then asked him for the name of Ally 's primary regulator, in case I wished to make a complaint. He refused to say and suggested that if I had a complaint I should take it to the XXXX. Finally I asked him whether my wife and I could open a new account to deposit the check being sent by the IRS and he said he would get back to me. Later on he called me to say that Ally had decided to close the checking account as well. Once again he declined to give a reason, said that Ally did not need a reason. Again I requested the name of the primary regulator and he declined to disclose it. Obviously these account closures have caused and will cause a considerable inconvenience to me and to my business. It is shameful that Ally cose to close my checking account in retaliation for my making a complaint.. In addition, I am very disturbed by Ally 's attempts to prevent their customers from reaching the appropriate regulators. Fortunately, I have worked in the financial services business for more than 30 years and so have the requisite knowledge to find this information without Ally 's assistance, I worry that Ally 's behavior will unfairly impede customers without similar experience and thus prevent them from obtaining the redress so clearly required by Ally 's capricious and unreasonable actions.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-29

Marlboro, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-10-29

Cape Coral, FL

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

2015-10-29

Scottsdale, AZ

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-29

Atl, GA

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

2015-10-27

Nashville, TN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. Dealer discount price was subject to a loan with Ally.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-27

Stockbridge, GA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-10-26

Houston, TX

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

2015-10-25

Garden City, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: Yes Timely Response

2015-10-24

Bloomington, MN

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

2015-10-23

Manhattan, NY

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

2015-10-23

Palmyra, MI

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

2015-10-23

Fort Myers, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-10-23

Rosenhayn, NJ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have taking a loan with Ally financial inc. who I believe are violating my XXXX rights. They recently repoed my vehicle again. Every month I get my XXXX check on the XXXX. I have repeatedly asked to move my due date to that date so I will not get late fees. They refuse because I 'm over due on my balance. My husband has FMLA with his employer so when he misses work to help me because i am a recovering XXXX XXXX patient he loses pay when he calls off. Ally harasses me by phone, they have already been sued for racial discrimination case with the interest rate. I do not recommend this company to anybody. I feel they are taking advantage of me because of my XXXX and continue to charge me late fees instead of moving my due date to my pay date so I can be on time. Please help
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-23

Azusa, CA

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

2015-10-23

Magnolia, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Hello, I believe I was discriminated against when I got my truck loan from ally financial bank from XXXX XXXX in XXXX TX. The reason for this I offered a loan at 15 % interest rate from ally but ideas offered much lower rate from different creditors at same time for similar trucks. I accepted the deal but paid more in interest which is illegal.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-23

CT

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-23

Allentown, PA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-22

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

2015-10-22

Clermont, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Winston Salem, NC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: There is a hard inquiry on my credit report th at I did make
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-22

Fred, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. Send us written authorization that gave you access to our credit files. SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response