ALLY FINANCIAL INC

2019-07-15

Wonder Lake, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

San Jose, CA

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36. I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments. During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward. Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice. Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer! I was shocked! Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed. Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE. I did never get an answer for why I got an approval message and had been inquired two hard credit checks. I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount. I think this is a bait and switch scam. I want a complete settlement for this dispute Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

South Florida, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Bolling Afb, DC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-13

Silver Spring, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Dealership had towed the car back and working with Ally to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, Ally reported the XXXX that the payment was late 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-13

Orange, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-12

Ewing, NJ

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-11

Blacklick, OH

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-11

Arco, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Account XXXX XXXX. Ally banks call center supervisor XXXX refused to provide me with the necessary information that was required for my banking needs. I called and asked a bank representative to add in my external bank account details. Later I found out that the representative put the wrong external bank account details. I called the bank and I was told the bank will send two small deposits to my external bank account for verification. I was confirmed that this two small deposits will now be marked as a default transfer as the bank account details are incorrect. ( something that is not my fault ) A supervisor named XXXX took the phone call. I asked her what the banks criteria is for next business day delivery for ach transfers and if this wrong account numbers put by a bank representative over the phone will affect that criteria. XXXX refused to provide that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-11

Chicago, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-11

Erie, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Dover, DE

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: This problem is with Ally Bank where XXXX XXXX has two accounts : Regular IRA and XXXX XXXX CD with XXXX balance. By now it has been three months since he asked to sell one fund ( XXXX ) and transfer cash to a XXXX IRA after paying 15 % federal taxes. Finally funds were sold but transfer to XXXX account that cash currently at {$28000.00} has not been done. XXXX receives request to send a signed from ) so called " Direct Conversion Request '' ) again and again and nothing happens. By now we are tired and need you help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-10

Barnsboro, NJ

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-10

Omaha, NE

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Phoenix, AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I have an account with Ally financial and their site has been down for multiple days and will not allow logins. I have attempted to contact them to get this resolved, yet it is not. This prohibits making payments. Yet, when I called in, apparently a new charge has been filed as a late fee. Ally is not a responsible or capable lender and must get this issue addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-10

Belmont Shore, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: The finance company gave me a different interest rate than what was told to me at the time of the sale. They had full access to my account and would automatically take out my payment on a non payday, causing me to rack up late fees. When I ask to move my payment to my payday they informed me that they did but they really didn't. And with doing this it put me upside down in my vehicle within the first 5 months of having this car. I have been dealing with this now for 2 years because no one will touch it with the interest rate they have me at, and they still will not budge on anything. Within the 2 year i have tried to get out from under this company and still nothing because i am now so far negative on this note. I am still paying my car note on my payday and still receiving late fees. I do not feel like i got a good deal on my car or the financing. I strongly feel like they are railroading me and the car is only Valued at {$7900.00} if anything. They car was price at XXXX. After 5 months of having this vehicle the car was priced at XXXX. I drive a used 2013 XXXX XXXX with now XXXX miles on it. I am looking at paying way more than what the car is worth. Plus everytime i call to get a pay out the amount is always different. In 1 weekend the payout amount went from XXXX to 15k-plus to XXXX. to the final {$15000.00}. Nothing is adding up with this finance company. And I want to put them on notice and if anything stop them from taking advantage of people. My credit has been completely shot due to ALLY Financial. I am now having to somehow start over just to get my credit decent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Belmont Shore, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Arco, CA

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Complaint: Hello, I work with a company overseas. They use XXXX transactions to send money. My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue. I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through. The sending bank XXXX XXXX in XXXX XXXX made two separate transfers. 1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them. I called Ally on many many occasions. I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information. I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything. XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further. Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Washington, DC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-09

NY

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: I sold a large piece of shop equipment ( a XXXX XXXX ) through XXXX. The buyer paid by check for {$11000.00}, which including paying for the machine itself ( {$9500.00} ) and additional payment for disassembling the machine ( {$2000.00} ). I said to the buyer : " a check is fine but I'm not giving you the address of the machine or access to disassemble until the check has cleared. '' The check did clear in 48 hours and all funds were in my checking account and so I gave access to the machine so that the buyer 's disassembler could start disassembling / packing - and, as I had agreed with the buyer, I paid the buyer 's disassembler $ XXXX. Five days after the check had clear, Ally Bank " uncleared '' the check and took {$11000.00} out of my savings account, claiming that either the check was fraudulent or insufficient funds. Ally Bank claims it was my responsibility to ensure the check was valid - but Ally Bank 's own terms and conditions / FAQs, etc. place no such burden on me and in fact state the opposite : that funds from checks should clear within 48 hours unless Ally Bank places a hold for further diligence ( which didn't happen ). But for Ally Bank 's incompetence in clearing the check, I would not have paid the disassembler $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-09

Minneapolis, MN

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Lake City, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Binghamton, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: My vehicle was totaled in an accident on XX/XX/19. Ally Financial refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with XXXX XXXX XXXX XXXX ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response