ALLY FINANCIAL INC

2015-09-30

Charlotte, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have had an auto loan with Ally Financial since XX/XX/XXXX. Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Alexandria, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I contacted Ally Bank XXXX Ally.com XXXX about how to opt out of having the bank cover an overdraft with an ATM fee and thus opt out of related fees. They told me there is no way to opt out of having the transaction covered ( and also told me there 'd be a fee ). This seems to contradict the law -- as well as Ally 's own website. Below is the chat session ( please note my real name is not used in the chat session -- I do n't want my real name published on the CFPB website. Plus, I was asking the question on behalf of my brother, who does n't have an account with them, and i did not want them to answer the question specific to my account ) CHAT SESSSION BELOWWelcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you in a moment. You are number XXXX in the queue. Thank you for waiting. You are now chatting with XXXX : Thank you for chatting with me today. How can I help you? XXXX : Hi, chatted a second ago about opting out of having a debit card transaction go through if there is not enough money in the account to cover the debit card transaction. You ( someone at Ally XXXX said there was no way to opt out of this and also no way to avoid a fee if using the debit card were to overdraft the account. Are you sure about this? My XXXX understanding of the law, from a webpage ( not a lawyer ) is this : XXXX : Remember to wear black XXXX XXXX, because that 's the day the infamous {$35.00} XXXX may finally meet its demise. From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. Overdraft protection is a service offered by banks that allows checking account holders to temporarily make purchases with a debit card even if they do n't have sufficient funds in their account to cover them. In effect, the bank makes a shortterm loan to the account holder so his debit card is n't declined at the register or an ATM machine. In return, the bank charges an overdraft fee of {$10.00} to {$35.00}, according to an informal XXXX survey. " ( The new law ) puts the decision in the hands of the consumer as to whether they want overdraft protection for smalldollar transactions conducted by ATM and debit card, '' says XXXX XXXX, XXXX and XXXX 's senior economic analyst. Read more XXXX XXXX # XXXX Follow us : @ XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX Yes. I advised you that you can place overdraft protection on your checking account if you have a savings account to set that up. I apologize if I was unclear about this earlier, XXXX. XXXX : Yes, you advised that. I do not want overdraft protection of any kind. I want the transaction denied. According to the bankrate website, that is my right by law. I wanted to check if indeed you give me the option to opt out of any overdraft ( as the website suggests is the law ) and how to do it. XXXX XXXX : I 'm sorry for the delay. I 'll be right with you. XXXX XXXX : It states that this would be the consumer 's decision, not that the bank has to offer it. We provide a wayto avoid overdrafts and it is up to you to choose if you want to use them or not. XXXX : " From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. " XXXX : That seems prettty plain that I have to opt in to pay an overdraft fee! XXXX : Do you have a manager? XXXX XXXX : I do have a manager. XXXX moment while I get XXXX on the line for you. It make take 35 minutes to get them on. I apologize for the wait. XXXX XXXX : They are trying to get their system up. It will be a few more moments. XXXX XXXX : Unfortunately, my manager is not able to get their chat program up. Would you be willing to receive acall from them? XXXX : Can he come to your cmputer and chat? XXXX : If not, I might simply turn this chat window o
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-30

Itasca, IL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I had leased a XXXX in XXXX for 1 year. The lease was then transferred ( thru GMAC ) to another person. XXXX is his first name. I was Never Late on this car, the lease was transfered thru GMAC ( {$500.00} paid by XXXX to do this ) into his ownership. I do n't know what happened at the end of the lease in XXXX, but this tradeline is being reported on My credit report, AS charge off, XXXX balance, derogatory account. Also lates are being reported on me in XXXX! XXXX, on a closed account for a vehicle I have n't owned since XXXX. This erroneous reporting is causing my credit scores to plummet, in turn causing my credit cards to close my accounts or slash my limits. Which then causes my scores to go even lower. This is turning into a viscous domino effect, I am pleading with banks that this is an error, however it does n't matter to them. They see derogatory language and scores dropping, and shoot first.. I have disputed this XXXX with XXXX, only to have GMAC respond by saying it 's valid. Scores continue to go lower. I have tried in Vain to get thru to GMAC, XXXX call centers, multiple transfers, no one ever calls you back. Request a manager same thing, the runaround, ask for an email, same thing the runaround.. Tell them that I am getting a letter a week from my creditors cutting or closing my accounts while they do nothing ... Does n't seem to have any impact. My XXXX XXXX XXXX scores have plummeted because of this errouneous reporting of someone else 's credit tradeline on my report. Fair credit Act violation number XXXX ... Thru my credit report I can see an account number and account that does NOT belong to me. violation # 2Because I am in the XXXX, I have XXXX of how the credit system works. I pulled my own XXXX credit report, thru my company to confirm this incorrect tradeline. Every year we must renew our state licenses in any state we do business in. XXXX of those states Florida also does a credit check, as we are held to minimum standards in or to stay in business, and earn a living. This renewal period is fast approaching, and If I have any trouble renewing my license this error will also be affecting my income. Fair credit reporting Act violation # 3Again I hate to go this route but have gotten NOWHERE with GMAC and Experian disputing this faulty information. This is a very simple explainable situation in the right persons hands. This GMAC tradeline in which the account number XXXX is XXXX ( the person the lease was transferred to ) account. REMOVE THIS INCORRECT DEROGATORY account from my credit report IMMEDIATELY!!!!!!!!! I am very patient and have a long fuse, but this situation is getting out of hand. I am absolutely the last person you want to screw with on this matter. I am a bank loan officer who looks at credit every day all day for borrowers, Not some schmuck uninformed retail person caught in the cogs of the machine. I expect to hear back on this immediately. I can provide you a professional credit report on myself showing this incorrect tradeline. ( Again someone else 's derogatory Personal information ) on my credit report. I have not owned this vehicle since XXXX, yet XXXX is strangely reporting me late last month, on this closed ( since XXXX ) account ... ... Total non-sense.. I want this deleted Immediately, Electronically,, asap before any more harm is done to my credit or credit lines ... I will be more than happy to discuss this matter with anyone of authority from any of these places. GMAC is 100 % in the wrong here, not only on their sloopy reporting, but their lack or corrective measures once they were made aware of this inaccuracy. My cell XXXX am having financial issues with all my banks and credit cards, due to faulty reporting.This is a huge pain in the XXXX, and every resasonable attempt I have made to resolve this goes NOWHERE.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Lathrup Village, MI

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

2015-09-29

Wrentham, MA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2015 I spoke to a rep at Ally, I explained to this rep that we had record breaking snow in the area which had caused me to miss work as well as other personal issues. He assured me all I had to do was make a {$100.00} dollar payment ( remainder of last month 's payment when things got tight ) and pass in the extension paperwork. I did everything I was supposed to do exactly when I said. In the coming weeks I continually checked in with them to see if they had received the paperwork. They never had any information just stated to stay on top of the situation as you have been. After I had made my next month 's payment it appeared as though the extension was filed properly as it showed I only owed one month 's payment.I spoke to reps between here and sent over paperwork multiple times.I then found out one of my childhood best friends had XXXX XXXX. So I spend what little money I had to get her a service dog to try to help out. As a result I missed my XX/XX/XXXX payment. I then spoke to a rep toward XX/XX/XXXX or XX/XX/XXXX, XXXX. She was nice and helpful and advised me to take a 60 day extension. I explained to her I wanted my XX/XX/XXXX extension retroactively honored as it should have been as I had gone above and beyond.I fully admitted to being short for my XX/XX/XXXX payment and wanted an extension for XX/XX/XXXX so in XX/XX/XXXX I could make up XX/XX/XXXX and be back on track. She basically said it was n't possible and I told her before I commit to any 60 day extension I want to be sure that my credit will be fixed. She offered to transfer me over to her manager to have me inquire there, so she did and I left a message. I received a voicemail at work the following day to which I called back and left another voicemail. I then did n't hear back from anyone for weeks. Of course, the calls start again around my due date with a different person every time who has no idea of the situation. From there I 've been in contact with a horribly abrasive, aggressive woman named XXXX XXXX. XXXX not once alluded to feeling poorly about the situation I was in as I have done everything every past rep had instructed me to. She had a very judgmental tone to her and she was very rude. She has caused further stress in my life in an already terrible time personally. She advised me to take a 60 day extension and assured me my credit would be updated as current. She stated that the letter would say I had 20 days but I really needed to get everything done faster. I explained I would get a payment in on XXXX/XXXX/15 ( we spoke on XXXX/XXXX/15 ) as I was under the assumption I was getting paid for my part time job I had just started. I was unable to pay but per the extension letter I have until XXXX XXXX, 2015 to get both payments in. I spoke to her today and she stated that she did n't know if I 'd have my car on XX/XX/XXXX when I get paid from my full time job to catch up. She 's also refused to send me my records upon request as furnishers of the credit have to do, to my understanding, under the Fair Credit Reporting Act. They claim to record and notate all calls yet refuse to send me my records, does n't listen to anything I say, then she threaten to repossess my car although I 've explained to her and many other reps I was not late in XX/XX/XXXX they just did n't file my extension and it 's been destroying my credit. I should be late from non-payment in XX/XX/XXXX, of which I wanted to make up in XX/XX/XXXX and file a deferment for that month. Someone who has paid faithfully and filed for extensions when they ran in to problems should n't be treated the way I have been. XXXX XXXX is the epitome of unfair, deceptive and abusive. I truly have n't felt as though I should pay until my credit is fixed but I have until I ran into personal problems of late. Everything that I 've stated is recorded on every single one of the XXXX or so calls I 've had
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. please help to correct this error it is effecting my credit and ability to refinance.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Austin, TX

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. Now GMAC is reporting a $ XXXXpast due balance on my credit report
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-28

Droop, WV

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

2015-09-28

Stilesville, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-09-28

Scottsdale, AZ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-28

Newnan, GA

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

2015-09-28

OH

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-28

Reidsville, NC

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-28

Tonalea, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-25

Lilburn, GA

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

2015-09-25

Hollis Center, ME

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-09-25

Brookfield, WI

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 non-monetary relief

Disputed: No Timely Response

2015-09-25

Little Rock, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. After getting off the phone I canceled the two scheduled online payments. I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-24

Mission, AZ

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

2015-09-24

Fort Wayne, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-09-24

FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-23

Royse City, 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

2015-09-23

Randolph, AL

Improper contact or sharing of info

Debt collection: Auto

Contacted me after I asked not to
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-23

Oswego, IL

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

2015-09-23

Mem, TN

Communication tactics

Debt collection: Auto

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

Disputed: No Timely Response