ALLY FINANCIAL INC

2015-04-29

Dallas, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I am writing because on my XXXX and XXXX credit reports you have my account as in Collection/Charge-off on XX/XX/XXXX.This information is incorrect. This account was paid in full through Chapter XXXX Bankruptcy Plan and discharged. Soon as this account was paid off it was put in a Charge-off status on my credit reports. I would like this information correced and for the status to be Paid In Full through Chapter XXXX Bankruptcy Plan. Also the date they have last payment is XXXX XXXX, that is also incorrect. This account was paid off in XXXX XXXX. I have enclosed documentation showing this account is and was in good standing through out my bankruptcy plan. I have provided my bankruptcy Chapter XXXX payment disbursements to GMAC ( ALLY ).
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-28

Weston, CT

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-04-27

Gary, IN

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: Yes Timely Response

2015-04-27

Austintown, OH

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

2015-04-27

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-27

NC

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-25

Pacifica, CA

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

2015-04-24

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: - called Ally Auto to have a deferred payment on XXXX XXXX. - called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. - ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. - ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-04-24

Allenwood, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-24

Lk Buena Vis, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-23

Saint Joseph, MO

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-22

AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-22

Austin, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-22

IL

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-04-20

Fullerton, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-04-20

Irondequoit, NY

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

2015-04-20

Damascus, PA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2015-04-20

Rock, MI

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I called to extend my lease for 1month. I was told the fee would be XXXX. I was told XXXX times that I would be sent the extension paperwork-not to send in the payment alone but with the document of extension. I was told this and waited. The paperwork did not come until 19 das later. My phone has been ringing with them calling me telling me that I am late ; I have explained my situation but to no avail. I have asked for the harassment to stop. I blocked their phone number but now another one of their phone numbers call. My last appeal for the incessant calls I was told that until they received the paperwork the calls would and could not stop. Interesting though I thought since they did receive my check. I have never been late with a payment and want others to know about the awfulincompetent service. I am afraid this will never be righted and my credit will be affected. The XXXX has had XXXX complaints in 30 days.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-17

MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-17

Columbus, OH

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-17

Philadelphia, PA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-16

East Rockaway, NY

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

2015-04-16

Portland, OR

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2015-04-16

Hialeah, FL

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: Yes Timely Response

2015-04-15

Marshallton, DE

Making/receiving payments, sending money

Bank account or service: Other bank product/service

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

Disputed: No Timely Response