ALLY FINANCIAL INC

2015-04-15

Harsens Is, MI

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Kansas City, MO

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

2015-04-15

Evansville, IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. What are my options?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-14

Flint, MI

Taking out 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

2015-04-14

Washington, DC

Deposits and withdrawals

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

2015-04-14

Palos Park, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I received a loan for my vehicle and I was never issued mail or a call saying my mail was sent back to the finical company and my first bill was due on XX/XX/XXXX which I made the payment on time but they still said I was overdue and that overdue payment dropped my score tremendously. The other complaint is my credit card company said they were going to stop the payments to my card that I have n't used and paid off about 3 months ago but still have to make payments every month.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-13

Orion Twp, MI

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

2015-04-13

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-12

Rehoboth Bch, DE

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: I made an interest only payment one month on car loan and for 4 months now they call me 8 to 10 times a day on my home phone and cell phone. Most are robo calls.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-11

MN

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-11

Bedford, TX

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-10

Bremen, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-10

San Jose, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I am filing this CFPB action to contest a series of abusive and seemingly unscrupulous actions taken on XXXX XXXX, 2015 by Ally Bank personnel, in relation to my online savings account. I opened up an Ally Bank online savings account last month and deposited a total of {$20000.00} into the account via transfers from my home bank 's checking account. Other than the slowness of moving my funds from my bank to Ally ( it took 5 to 6 days rather than their advertised 2 to 3 day period ), my experience with Ally was basically meeting my expectations until the events of the past day. I had successfully set up secure access to my Ally account via both their regular online login system and via their mobile phone application. Two days ago, I changed my home phone number due to the increasing receipt of numerous scam and fraudulent calls, and within hours had gone online and promptly notified all of my financial institutions and other service providers of my new home phone number. There was no change to my mobile ( cell ) phone number, address, or any other information. My updates to my home phone number at all of these accounts, including Ally, were done via the usual secure login systems. On the morning of XXXX XXXX, 2015 I received a call from a woman on my new home phone number who only identified herself as being from Ally Bank, who said she was calling to confirm an " address change '' that I had recently submitted. She was very aggressive, refused to further identify herself ( I do not have caller ID on my home phone ), and continued to rapidly ask me a very long list of questions. I at first answered the first several questions, such as the last XXXX digits of my social security number, my pet 's name, my mother 's maiden name, and other items that I had offered up as security questions provided by me when I first opened the Ally account, and seemed reasonable. I definitely gave her all of the correct answers. She kept going on and on and on, however, asking increasingly personal questions, such as the make, year, and model of my vehicle, which I have never before been asked, and seemed highly unusual. Since I suspected possible fraud, I stopped answering the questions after about the eighth item, and ended the call. I then almost immediately attempted to log onto my Ally account to get the account number, and call Ally 's regular customer service line to confirm that the call from this very aggressive and rude woman was legitimate and to ensure that a problem with my account did not exist. After correctly logging in, a message appeared, saying that my account had been locked and that I needed to call the toll-free phone number provided. I them quickly called the toll-free number and after giving the representative my name and account number ( I had retrieved it by then from my print Ally records ), was told that there was nothing they could do, and that I needed to place a toll call to a woman named " XXXX '' at XXXX. After waiting about 90 minutes I finally received a return call from " XXXX in Loss Prevention '' who again incorrectly asserted that I had filed an " address change '' to my account, which I again said was incorrect, as only my home phone number had changed. I then had to answer many more questions from her, and many of the questions seemed extremely unusual and intrusive, such as the make, model, and year of not just my current vehicle, but also of previous vehicles I have had, and places where I have lived many decades ago. Ally Bank 's so-called " loss prevention office '' needs to be held to account for the abusive behavior of their employees, and should take immediate steps to avoid this from ever happening again. The only thing the " loss prevention '' office accomplished in my case was Ally 's permanent loss of a good customer, and this filing. Thank you for your careful considerat
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-09

Lockport, 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

2015-04-08

Penn Yan, NY

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

2015-04-07

East Brooklyn, CT

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

2015-04-07

Bartlesville, OK

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 monetary relief

Disputed: No Timely Response

2015-04-07

Euless, TX

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-06

Hollywood, 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: No Timely Response

2015-04-06

Centerville, OH

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

2015-04-06

Royal Palm Beach, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-04-03

Clermont, IN

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

2015-04-03

Clovis, CA

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 explanation

Disputed: No Timely Response

2015-04-03

San Jose, CA

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

2015-04-03

Leeton, UT

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response