ALLY FINANCIAL INC

2015-03-21

Oxford, GA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-21

Ewing, NJ

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

2015-03-20

Detroit, MI

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

2015-03-20

Long Island City, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown. The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX. I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report. I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department. Thanks you, XXXX XXXX ( cel )
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-03-20

Fort Pierce, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-20

Lanham, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-19

Flint, CA

Problems caused by my funds being low

Bank account or service: Savings account

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

Disputed: No Timely Response

2015-03-19

Coral, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: ALLY bank doesnt accept other form of identification but a social security number
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-19

Ft Lauderdale, FL

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-03-18

Phila, PA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed

Disputed: No Timely Response

2015-03-17

Burlington, WI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

East Troy, WI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-17

Vineland, CO

Shopping for a loan or lease

Consumer Loan: Vehicle lease

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

Disputed: Yes Timely Response

2015-03-17

Rochdale, NY

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Key Biscayne, FL

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-16

Del Sur, CA

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-16

Lexington, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-03-16

Arlington, VA

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-16

Jacksonville, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: Yes Timely Response

2015-03-16

Sanders, KY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Rayford, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-15

San Antonio, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-14

Buffalo, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-14

Quartzsite, AZ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-13

Santa Susana, CA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response