ALLY FINANCIAL INC

2019-03-31

Clayton, MO

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: On XXXX XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-31

Jacksonville, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-03-31

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-31

Maxwell Afb, AL

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

2019-03-31

Lewiston, NY

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

2019-03-31

LA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-30

Norfolk, VA

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
Complaint: I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-29

Drummonds, TN

Incorrect information on your report

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

Account information incorrect
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

2019-03-29

Custom House, LA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with fees or penalties
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

2019-03-29

Stoughton, MA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-29

NJ

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX XXXX XXXX Ending In:XXXX To Ally Account Ending In: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

2019-03-29

Oxford, GA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-29

Memphis, TN

Opening an account

Checking or savings account: Savings 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

2019-03-28

Seligman, AZ

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

2019-03-28

Oxford, GA

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit 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

2019-03-27

Anaheim, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: I had a early Auto return of my lease which was expected to end in XX/XX/XXXX. In early XX/XX/XXXX I contacted the Ally Financial Rep and discussed about the early return process of my leased vehicle. They instructed that I had a lease buyout payoff balance of {$2200.00} if I pay off by XX/XX/XXXX but was told that I will be getting a final bill of the lease buyout balance so I can pay that bill and not the upcoming payment. My auto lease payments were automatically recurring for {$450.00} every month and was deducted on the XXXX of every month, but the Ally Rep discontinued my auto pay after I told him that I will be returning the vehicle to the dealer to process the Early Lease Vehicle Return buyout process. At that point I was told I did not have to continue with the Auto recurring payment since I will be getting a final bill that I can pay off the balance for which was expected within a month or two of processing time ( Expected latest XXXX ). I returned the vehicle to XXXX at XXXX of XXXX on XX/XX/XXXX and the lease return was processed by XXXX XXXX ( extension XXXX ) thus did not have my vehicle in possession since XX/XX/XXXX, expecting a final bill from Ally ( latest XX/XX/XXXX ), but instead my account was taken to Collections. I called Ally numerous times to ask about the final bill however they could not help with the process because all they can say was that it was pending and was eventually investigated that the Dealer did not perform their end of the work to submit the return back in XX/XX/XXXX when I returned it, but rather it was processed in XX/XX/XXXX. At that time, just to keep them from further hurting my credit, I gave in to pay {$1200.00} balance on XX/XX/XXXX despite receiving the final bill. By that time, my account was sent to Collections because I got instructed a ill-advised instruction to wait for the final payoff invoice from the Ally Representative and also the Dealer ( XXXX XXXX ) not performing their job to process the Lease Return back in XX/XX/XXXX. I finally got the final pay off balance bill in XX/XX/XXXX and paid off the final balance of {$730.00} on XX/XX/XXXX, however the lousy work ability of the Dealer and the ill-trained bad information of the Ally Rep from XXXX during my lease return delayed the return process further preventing Ally to formulate the final bill for my final payment in XXXX rather than XXXX. I have attempted 3 times with Ally to help correct this unique situation of inaccurate late payment and that the discontinuation of recurring auto payment was discontinued by the ally Rep who gave inaccurate information about the lease return payment expectations and process, however Ally did not own up to their bad information. My credit is damaged from XXXX to XXXX and this is causing problems. Please help recover this bad situation so that Ally can own up to their own bad training and ill-advised information, especially now that they have no reason to deny that I owe them since all balances were fully paid off due to their own delay mismanagement of a simple Early Lease Return on XX/XX/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

2019-03-27

Lewisville, 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
Complaint: On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this 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

2019-03-27

New Port Richey, FL

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

2019-03-27

GA

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: Inaccurate late payments reported by Ally Auto. After six different attempted disputes all they do is move the inaccurate late payment to a different month, somtimes 2 or 3 months from original month reported. When attempting to contact Ally Auto directly I am places to an outside call center and told there is no back line to speak to supervisor and that I must dispute through credit reporting agency. I am disgusted at the level of service from this 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

2019-03-27

Chicago, IL

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

2019-03-27

Moapa, NV

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: When I am 15 days late on a payment I am charged a late fee. When I log into my account and pay the late fee I thought it was being paid. The late fee payment that I made was not credited to the late payment, this happened numerous times. I only find out when Ally sent a letter in the mail that the fee wasn't applied and was still being reported late, over 30 days. I have to physically call Ally and complain numerous times. When I call they tell me they will fix it so I thought that they did. Now I am being told by a mortgage company that it is still showing over 30 days late numerous times. Please see the attached file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-27

Arco, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: I have paid all my lease payments in full. On XX/XX/2019, I received a letter from Ally Financial concerning return of the vehicle. It expressly stated it could be returned to " another local franchised dealer '' or I could call Ally to " make alternative arrangements. '' I initially called the dealership from whom I leased the car and was told they had no " room '' to take my car back and I had was required to find a dealership that would accept the vehicle. I called the national offices of XXXX and they called the dealerships to inquire who could accept the vehicle. In the meantime, I called Ally in an attempt to schedule a third party inspector to look at my vehicle, an option offered by Ally in their " Vehicle Return Kit '' online. Ally stated the inspector would contact me in 48 hours. My husband had to call Ally back multiple times because the inspector did not call. Ultimately, I was able to return the vehicle to XXXX XXXX XXXX onXX/XX/2019. The third party inspector finally contacted us nearly a month later. So, we did not have the inspection by the third party inspector. When we returned the car to the XXXX XXXX dealership, a form was filled out that reflected we returned both remote key fobs, the owner 's manual, spare tire and all floor mats. A copy was provided to us. The only damage documented was " scuffs '' on the right rear and right front wheels. I received a letter from Ally on XX/XX/2019acknowledging the vehicle was returned to XXXX XXXX XXXX, and Ally intended to sell the vehicle. Ally requested a signed verification of the odometer reading which I provided. No other issues were mentioned in the letter. Then, on XX/XX/2019, I received another letter from Ally. This letter falsely claimed I terminated the lease " early '' contrary to the last invoice I received from Ally stating " your lease is scheduled to end on XX/XX/19. '' The letter also sought to charge me {$1400.00} for alleged missing key fob, tire inflator and purported damage, contrary to the intake form filled out by the dealership. The form reflected " scuffs '' not " gouges. '' The form allowed for designation of " gouges '' if applicable. When I called Ally onXX/XX/2019, I initially spoke with " XXXX '' and was told he would submit a dispute of the charges based on the dealership form. He also stated that if the vehicle is sold for less than the residual value, no further charge would be imposed ; but if the vehicle was sold for more than the residual value, the excess would be applied to any charges based on an " early termination '' of the vehicle. That same day I got a follow up call regarding the " dispute. '' The woman I spoke with basically told me the dealership form was meaningless. Ally conducts its " own '' inspection notwithstanding the XX/XX/2019 letter from Ally said I could return the vehicle to a dealership. She claimed the dealership only provided Ally with one remote contrary to the completed form. She stated I would have to get the person I returned the vehicle to to " confirm '' receipt of both key fobs. The balance of the charges contrary to the form, however, would remain regardless. Ally has placed the burden on me to prove their charges are unjustified, but will not accept the dealership form as proof. The XX/XX/2019 letter threatens a " negative credit report '' if I " fail to fulfill the terms of [ my ] credit obligation. '' This is extortion since there is no way to dispute the charges because Ally disregards the inspection conducted by the dealership to whom I returned the vehicle at their instructions. The Ally dispute reference number is XXXX. When I stated to the woman that Ally would just have to sue me for the fictitious charges, she hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-26

FL

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: 8 months ago i spoke with a supervisor at ally financial in regards to them calling my family members as well as the car salesman that sold me the car whenever i got behind on my car note. They assured me that they will remove all numbers that is not my contact number so no one else other than myself would receive a call if i ever fell behind again. i have also inquired on a bill they are charging me for a repossession fee when my car has never been repossessed. i have spoken with several people as well as management in regards to this charge but yet have not have it resolved and i still am getting billed for it. it has been over 6 month and no one has returned my call or have not removed this fee. now that i have fallen behind again they have started to call the salesman that sold me the car ( a person i don't know personally ) my parents and a friend. when i call them and ask for a supervisor, all they do is put me on hold or say that all of the supervisors are in a meeting than fowards me to a voice mail. i don't understand how every supervisor for such a large organization is always in a meeting when i ask for one!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-26

Hollywood, FL

Improper use of your report

Vehicle loan or lease: Loan

Report provided to employer without your written authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-26

Cucamonga, CA

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