ALLY FINANCIAL INC

2019-04-23

Santa Monica, CA

Confusing or misleading advertising or marketing

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

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

Timely Response

2019-04-22

Bel Alton, MD

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6 months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-22

San Quentin, CA

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2019-04-20

Key Biscayne, FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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

2019-04-19

University Of Nc, NC

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-19

South Florida, FL

Unable to get your credit report or credit score

Vehicle loan or lease: Loan

Other problem getting your report or credit score
Complaint: Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-19

Marion, MT

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-19

Managing an account

Checking or savings account: Checking account

Problem accessing account
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

2019-04-19

Atl, GA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-19

MS

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: XXXX XXXX said my credit score was 200 points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. Ally Bank will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-18

Nekoosa, WI

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

2019-04-18

Fayetteville, GA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-18

Jacksonville, NC

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

2019-04-17

Finksburg, MD

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: In XX/XX/XXXX I had cancelled the maintenance package I purchased with my vehicle. The dealer ( XXXX XXXX, XXXX, MD ) whom I cancelled the maintenance package with, sent to Ally Finance ( Auto Loan department ) the amount of {$3300.00}. On XX/XX/XXXX I telephoned Ally Finance ( Auto Loan department ) to confirm they received the payment from the dealer. Ally Finance stated that " {$3300.00} was received by the dealer, and that my next payment of {$270.00} would be due on XX/XX/XXXX. They further stated that in XX/XX/XXXX the payment would resume to the monthly amount of {$550.00}. Then in XX/XX/XXXX, for several days I had been noticing I had been receiving calls from an, " unknown '' caller on my phone 's caller ID. I did not answer the call as with " unknown '' I am aware that these are Robocalls, solicitor calls. There was never a telephone number associated with " unknown ''. However, on XX/XX/XXXX, when again I received another " unknown '' call I decided to answer it, in hopes to make the Robocall stop. When I answered the phone, there was a long silence, then they asked to speak with " XXXX XXXX '' ( me ). When I asked who they were, the caller identified them self as being from Ally Financial. I asked what the call was regarding, and they stated that I had owed them money for my automobile loan, {$1700.00}. I replied that was not true, as per my call with them in XX/XX/XXXX, I was informed the dealer sent a check that was received and applied to my account, and that I was further informed that my next payments were not due until XX/XX/XXXX. I further stated, that I did not feel comfortable continuing the conversation as the number was received as " unknown '' on my phone, and there was not a number associated with " unknown ''. At that point I immediately hung up the call and dialed the number I knew for Ally Financial, and that I had saved to my phone 's contacts. When I got through to Ally Financial and explained what was going on, they stated that the check they received from the dealer was returned by the bank as non-sufficient funds onXX/XX/XXXX. I then stated to Ally that I was going to the dealer to investigate and would call them back soon. As soon as I hung up, I drove to the dealership for clarification of what Ally Financial stated as the check being returned. The dealer representative of XXXX XXXX in XXXX, MD, XXXX XXXX, investigated it with the accounting department, and determined that the check had in fact been cleared. With the assistance of the dealer we then called Ally Financial together to get to the bottom of this. When the dealer and I got Ally on the phone, Ally then stated that the check had in fact cleared, and that it had originally been applied as a normal payment in XX/XX/XXXX, but on XX/XX/XXXX they then re-applied the payment to the principal balance. I informed Ally that I was leaving the dealership, and would call them when I had privacy to discuss this. Moments later when I left the dealer, I again called Ally Financial back. I informed Ally Financial that I had not received a letter, nor a telephone call, nor a certified letter. I had never been informed of this re-applying of the payment to the principal, that I had just been informed of by Ally. I instructed Ally to re-apply the money from the dealer back as a payment, where they ( Ally ) had originally placed it and had informed me of such placement on XX/XX/XXXX. At that point, Ally then transferred me to a XXXX XXXX in Customer Service. After spending over an hour with XXXX XXXX, going over everything, explaining again how Ally had re-applied the payment without ever informing me - not by letter, or by call, or by certified letter, and now they were demanding over {$1700.00}. I explained to XXXX XXXX that I only just learned of this situation because I answered my phone from a caller that identified them self as " unknown '' on the caller id of my phone, no number showed up only the words " unknown ''. I stated to XXXX XXXX that this is not how to treat customers. After over one hour and several holds that I was placed on by XXXX XXXX, he stated that they would work to remedy this by re-applying the {$3300.00} back as a payment as they had done on XX/XX/XXXX, which would then put the payments back to XX/XX/XXXX at {$270.00}, and then resuming regular payments in XX/XX/XXXX for {$550.00}. XXXX XXXX said for me to to give it 24-48 hours, and that Ally would call me back at that time to confirm everything was back to how it was on XX/XX/XXXX. OnXX/XX/XXXX I gave Ally a follow-up call to see if the {$3300.00} had been re-applied as payment per what XXXX XXXX stated. I spoke to a XXXX XXXX, who placed me on hold several times, to then inform me to call back on Thursday, XX/XX/XXXX for a status of the re-applying of the {$3300.00} back to where it was onXX/XX/XXXX. In closing and as stated, Ally Financial informed me on XX/XX/XXXX that the dealer check for the maintenance I cancelled was received and that no other payment was due from me untilXX/XX/XXXX. It was because I had answered the call of an " unknown '' caller with no phone number ( later identified to be Ally Financial ) on XX/XX/XXXX that I learned that Ally never notified me that they reapplied the check for {$3300.00} for the maintenance plan I cancelled with the dealer, and were demanding payments from me totally {$1700.00}. At this point Ally Financial has seriously destroyed my credit, and has deceived me. I am seeking help from the CFPB in working with Ally Financial to resolve this issue ASAP, and to fix my credit with the credit reporting agencies. If you need further information, or clarification, please let me know. Thank you. Kind Regards, XXXX XXXX
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

2019-04-17

Palmerton, PA

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
Complaint: I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

Killeen, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

Kansas City, KS

Managing an account

Checking or savings account: Checking account

Problem accessing account
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

2019-04-16

East Troy, WI

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-16

Escondido, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-15

Hollywood, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-15

Penn, PA

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-14

Burlingame, CA

Confusing or misleading advertising or marketing

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.
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

2019-04-12

Lb, CA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.
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

2019-04-12

Point Arena Air Force Statio, CA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-04-12

Lowell, AR

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: ALLY WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, XXXX IN ERROR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response