ALLY FINANCIAL INC

2015-07-13

Alt De Parq Ecuestre, PR

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-07-13

Goose Creek, SC

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

2015-07-13

Lenzburg, IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-13

Washington, DC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-12

Glenarm, IL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-10

Hornell, 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

2015-07-10

So Effingham, NH

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

2015-07-09

Sun City, AZ

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2015-07-09

Philadelphia, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. Thank youXXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-09

Harrisburg, PA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: During the week of XXXX XXXX, 2015, representatives from the Ally Financial collections department were calling my cell phone. The representatives would call over XXXX times a day, but the biggest issue was that they would call XXXX or more times in the span of XXXX minutes, causing my phone to continuously ring. I spoke with a representative and told her that I had no issue with them calling, but that I would appreciate it if they did not call multiple times in a row. I was responsive to their calls and did make a substantial payment in response, although it appears as though there was still some outstanding balance. Instead of doing the right thing and following the law, the representative decided that on Monday, XXXX XXXX, 2015 she was going to call me repeatedly over and over again. Between XXXX and XXXX she called from the number XXXX XXXX XXXX XXXX XXXX times. I was on a field trip with my daughter that day and began seeing the calls coming in. Immediately my nice day with my daughter turned into a XXXX situation. I could not even use my cell phone to take pictures of my daughter on the field trip because my phone was continuously ringing. But the XXXX ( XXXX XXXX phone calls is n't the end of the harassment I would endure that day. Between XXXX and XXXX the representative called another XXXX XXXX XXXX XXXX times from the same number. And it did n't even stop there. Between XXXX and XXXX the representative called from the same number an additional XXXX XXXX XXXX XXXX times. That means that in a span of less than XXXX hours, an Ally Financial representative called me XXXX ( XXXX XXXX times. But she was n't done. The representative called again around XXXX and at that time the field trip was over and I was able to answer. I picked up the phone, stated that she was out of line with the repeated calls and that I did not wish to be contacted via telephone any more. Instead of allowing me to exercise my legal rights, the representative argued with me. Then she told me I could not request that they stop calling without speaking to a supervisor. I told her that I knew that was not the case, to stop calling and I ended the call. What was her response? To IMMEDIATELY call me back yet again and continue to argue with me about my ability to request that they stop calling. I again stated that I did not want to be contacted via phone again and ended the call. I have evidence of these calls, and since that time, Ally has continued to call, using other numbers. They have not called repeatedly since then, but I made the request to cease phone contact which they have not honored. Furthermore, I specifically told the representative not to call my work, and she agreed to take that number off of the list. Ally stopped calling for a short period of time but has again started using that number. Since that time, I have sent emails, faxes and letters to Ally with absolutely no response. I sent an email to a Customer Service email address listed on their website and was told that this was not the correct email address and that the representative had " no possible way '' of directing my correspondence to where it needed to go. I find it absolutely impossible to believe that the email could not have been sent to legal or anywhere else to get it into the hands of the right people. So I have finally decided to take this action to get some kind of a response and resolution.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-08

Butte Valley, CA

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

2015-07-08

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-07-08

Indianapolis, IN

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

2015-07-08

Beverly Hills, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-07

Washington, DC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-07

Clarkesville, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-07

AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-06

Dover, DE

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

2015-07-06

El Paso, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-04

Mabank, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2015 I purchased a new vehicle and attempted to trade in my car previously purchased from the dealer. At which time the car dealer where I purchased said I was up side down on the car. So I placed a down payment on the new purchase ; that Monday XXXX I placed a call to Ally Car Financial and informed them of my purchase and explained the situation to the Customer service person. At which time I asked them to take possession of the car. The customer service rep place me on hold and stated she would contact collections and explain then transfer me ; she returned from on hold and stated she could not transfer me because collections were refusing to speak with me. I informed them of where the car was located to retrieve and that I would not be making anymore payments. Since they have not picked up the car my credit is being affected by the delinquent payments. I know the repossession will affect my credit which is my decision but the delinquent payments are due to their refusal to pick the vehicle up.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-03

Avalon, 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

2015-07-03

Detroit, MI

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

2015-07-03

PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: # 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-03

Elmwood Park, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-02

Atlanta, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response