ALLY FINANCIAL INC

2015-08-19

Jackson, MS

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

2015-08-18

Nyc, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-18

Andalusia, 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

2015-08-18

Juniper Hills, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-17

Chattanooga, TN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-08-17

Black Jack, MO

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

2015-08-17

Kansas City, KS

Account opening, closing, or management

Bank account or service: Savings account

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

Disputed: No Timely Response

2015-08-17

Bear, DE

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: Yes Timely Response

2015-08-17

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-15

Allenwood, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Alpharetta, 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

2015-08-13

Scottsdale, AZ

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

2015-08-13

Saint Petersburg, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

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

Disputed: Yes Timely Response

2015-08-13

Grosse Ile, MI

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-08-13

Westfield Ctr, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Springfield, MO

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

2015-08-12

Amsterdam, NY

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Lewisville, TX

Making/receiving payments, sending money

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-08-12

Morton Grove, IL

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

2015-08-12

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-08-11

Danbury, CT

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

2015-08-11

Boston, MA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I have. Requested removal of my XXXX bankruptcy court. And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-11

Billerica, MA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-10

La Cienga, NM

Problems when you are unable to pay

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-08-10

Henderson, NY

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