ALLY FINANCIAL INC

2015-07-21

Key Biscayne, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-07-20

Hialeah, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-07-20

Fair Lawn, NJ

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

2015-07-20

Smyrna, GA

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

2015-07-20

Kosciusko, 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

2015-07-20

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. SIX MONTHS NOW, XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-19

Snellville, GA

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

2015-07-19

Fort Mill, SC

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

2015-07-19

FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-18

NJ

False statements or representation

Debt collection: Auto

Impersonated an attorney or official
Complaint: Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-07-18

GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. It is unethical for this company to continue reporting incorrectly. I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-17

Natrona Hts, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-07-17

Lithonia, 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

2015-07-17

NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. Thank you for any help you can give us, XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-17

Dallas, TX

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-16

Jackson, MS

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

2015-07-15

Sparta, NJ

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 monetary relief

Disputed: No Timely Response

2015-07-15

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-15

Carson, MS

Incorrect/missing disclosures or info

Money transfers: Domestic (US) money transfer

Complaint: I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-07-15

IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Vehicle was totaled. Requested payoff to clear off account. Ally financial stated amount to close account and provide clear title. Insurance company sent check for that amount. XXXX months later ally collection is harassing me at work, calling numbers that have been requested to be removed. Bulling my XXXX year old grand father ( no clue how they got his number, he is not a signer ). Refusing to send me a statement of what is owed. Every agent I talk to gives a different amount and reason of why it is owed. Agent in total loss department stated all was cleared off and not sure why I am getting these calls.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-14

Norfolk, VA

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

2015-07-14

Warrenton, VA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Ally Bank charged me an overdraft fee on a debit card. 1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 3. If someone came into my home and stole from me, I could shoot them. I DEMAND MY MONEY RETURNED IN FULL. Further, I request a {$35.00} fee for theft.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-14

Euclid, OH

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-14

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-13

RI

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response