ALLY FINANCIAL INC

2019-03-12

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: Hard inquiry to credit report not recognized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-11

Menifee, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-11

Oxford, GA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer. At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally. Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.
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

2019-03-10

FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-09

KS

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Im submitting this complaint with ALLY because my credit score was negatively impacted due to ALLY reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to ALLY ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to ALLY for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. ALLY either did not properly send a request for payment from my bank, or did and something prevented the money transfer to ALLY. I was never properly informed by ALLY about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to ALLY. I only found my original payment was not posted when I logged into my online ALLY account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to ALLY. I'm only bringing this issue to the attention of others now because I did not know ALLY was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by ALLY. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for ALLY to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-09

PA

Incorrect information on your report

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

Account status incorrect
Complaint: Ally Financial , Inc. is reporting False in the month of XX/XX/2018. In the month of XX/XX/2018, on my XXXX, XXXX and XXXX credit reports, Ally Financial , Inc. is reporting a 30 day late notification when I have never submitted a payment late. I am consistently asking Ally Financial, Inc for documentation proving I was late, consistently asking the 3 credit bureaus for an investigation and consistently wasting my time. I have written and submitted letters asking to verify the debt lateness and dates of the debt to no avail. My rights have been violated. THE 3 BUREAUS AND Ally Financial , Inc ARE IN VIOLATION OF MY CONSUMER RIGHTS by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Providing me with the consumer contract would verify this account is reporting WRONG. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND Ally Financial, Inc is also VIOLATING MY RIGHTS. Being ignored and hurting my lending abilities is NOT OK. The credit bureaus sent several letters indicating the account was verified yet NEVER sent evidence indicating the account was late. Its THEIR duty mandated by law, to investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. At this point, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1 : Please provide evidence as to the 30 day lateness on this account. NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or XXXX where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of { {$75000.00} } USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based 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

2019-03-08

Spring Hill, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-08

Bronx, NY

Incorrect information on your report

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

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

2019-03-08

Panther Creek, TX

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-03-07

WV

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: My car is financed through XXXX XXXX, my payments have been paid on time, never outside the " grace period '', but Ally continues to call me almost daily, at home, and at work, and sending me collection letters ( by people who don't speak English ), stating my payments are " late '' Per my credit reports, ALL my payments are current, however my credit score has dropped 100 points in the past month! At one time my XXXX report reflected a " late '' payment by ALLY!! I am sick and tired of being harassed by these people! I have written to them, the XXXX XXXX XXXX, The Attorney General and to yourself in the hope that someone can help me with this awful company! I pay my bills on time and take pride in my credit score, there must be some way to stop this company 's harassment.!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-07

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-07

Baltimore, MD

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-06

Bayway, NJ

Incorrect information on your report

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

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

2019-03-06

Burke City, MO

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Ally bank has consistently reported that i have two 30 day late payments in XXXX and XXXX of 2017 which is lowering my credit score. I have tried several times to dispute this with both Ally back directly and with the credit bureaus. I have uploaded documents ( screen shots ) of my payments with the data, times, and confirmations of my payments but all of my disputes have been ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-06

Beaux Arts, WA

Managing the loan or lease

Vehicle loan or lease: Lease

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

2019-03-06

FL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with fees or penalties
Complaint: My complaint and gripe is regarding on-line giant, Ally Financial, previously known as XXXX ( an acronym for XXXX XXXX XXXX XXXX ). It's a US-based bank holding company organized in Delaware and headquartered in XXXX, Michigan. I was a sucker! I went to on-line banking for a few pennies more interest and it cost me {$2500.00}. Oh ... Ally didn't do anything illegal, they just removed the human side of banking and turned it and me into basically an ATM machine! Hopefully others won't fall into the same trap. THE STORY : 8 years ago I took the proceeds from the sale of my home ( {$250000.00} ) and purchased a Certificate of Deposit ( CD ) with 'new ' on-line Ally Bank. Their percentage rate was slightly higher. So instead of dealing with a local 'bricks and mortar ' bank that had a real human being sitting at the officers desk, I sold my soul to the XXXX and sent my quarter of a XXXX dollars off into cyber space ... AKA ... Ally Bank! For 8 years, I never made a withdrawal. For 8 years, I redeposited the interest back into the CD letting Ally keep every single penny. Fast forward 8 years and a family emergency popped up and I needed to withdraw the money out of the CD to cure the emergency. I contacted Ally and they informed me of the " penalty clause '' that said it would cost me {$2500.00} to collect my own money that had been entrusted to Ally for the past 8 years. Oh.. I know it's legal for them to penalize me as they have ... I'm not arguing that point. My {$2500.00} is gone, probably into some bankers weekend slush fund. My gripe is, I had no one to go to to explain the human and personal side of my situation. There was no bricks and motor ... there was no human being on the other side of the desk at a local branch to plead my case to. All I got was an 800 number and a recording that basically said ... " We're so sorry ... XXXX XXXX ''! The purpose of the penalty in these cases is prevent one from using the CD as a checking or savings account. For 8 years, I entrusted my money with Ally to invest and reinvest and do with as they pleased. I never made a withdrawal and always reinvested to interest with them. But when I had a personal problem, as humans often do, I got to see the hard cold reality of on-line banking. Turn on, tune in, drop dead! MY ADVICE : Don't do what I did. I was narrow mind and stupid. I never envisioned a family emergency arising down the road, only to have digital corporate America reach in my pocket and remove {$2500.00} of my hard earned money without a blink of the eye. There are banks on every corner in America with real human beings working in there, just like you and me, and will have some compassion and understanding when the need arises. You can bank of the fact ... that will never happen at Ally Bank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-06

Fall River, MA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
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

2019-03-05

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

2019-03-05

Escondido, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-04

Mars Hill, NC

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
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

2019-03-04

Camden, NJ

Incorrect information on your report

Vehicle loan or lease: Loan

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

Timely Response

2019-03-04

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

2019-03-04

NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-04

Scottsdale, AZ

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
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

2019-03-03

AR

Took or threatened to take negative or legal action

Debt collection: Auto debt

Collected or attempted to collect exempt funds
Complaint: Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over XXXX dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact Ally Bank. Ally Bank sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and Ally Bank accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with Ally Bank. To no avail, Ally Bank is suing me for deficiency of payment. Ally Bank has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both Ally Bank and XXXX XXXX colluded together as they knew I could not make the payments with this predatory 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