ALLY FINANCIAL INC

2018-11-30

Naples, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: I received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number 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

2018-11-30

Phoenix, AZ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
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

2018-11-30

Amston, CT

Unable to get your credit report or credit score

Vehicle loan or lease: Loan

Other problem getting your report or credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-29

Mem, TN

Incorrect information on your report

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

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

2018-11-29

Decatur, AL

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

2018-11-29

Chicago, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: To whom it may concern I am sick at tired of companies like ally financial threatening me as the borrower for a repo with my car. And denied any type of assistance they are very very strict. They have humiliated me several times and discriminated me several times just today I received a phone call from a lady I dont exactly remember her name as we spoke, but she was very rude and ignorant. I tried to explain her my financial hardship situation as they were aware of it in a app message I sent them with pictures of my grandmother new XXXX and been hospitalized would have actually help me by providing them pictures so that they know that what Im saying isnt false. That everything Im goin thru at this time is affecting me with my payments. not only that but I told them my hardship situation and that I had hours reduce at work and that I was struggling to make my payments due to my financial hardship situation related with my grandmother health and getting less hours at work. At first I tought she would be nice and perhaps for once they would listen to me rather than denying me for assistance I was happy that finally after more than 2 weeks going to 3 week finally someone had contact me regarding my financial hardship situation and possibly find a solution for this matter, I tought ally would help me out and offer me to extend 2 months so that I can be current with my payments I first want to mention that they have help me before my grandmother health been going on for 6 months to 1 year but it is not my fault that things got worse and that my grandmother health is not getting any better since she is still hospitalized and under medications etc and all that isnt not free. It is very sad that such a great company like them are refusing to help me and to give me an opportunity by extending me 2 or 3 payment past due at the end of the loan so I can become current. They know what Im going thru at this moment which brokes my heart and they refuse to give me any help and are threatening me to pay all the past due amount in difficulty times like this one at this moment. Rather than help me out they most likely they want me to loose my car and possibly they waiting on giving me a repo on my car they are not giving me any options at all this people just want money money money. I wish they understood my concerns and wish they honored me a work kit option I need assistance now they help me out before and I know they can do it now manager or supervisor can actually re write and extend the past due payments at the back of the loan. They have humiliated me what are they waiting for me to tell them that soon my grandmother might pass away if I dont continue helping her out she is the most important person for me right now and I want her to live that is why I want ally to help me get the extension. Yes again if they dont help me than who will I cant refinnace becUse they do t offer that option I wish they can reduce the late fees as well. Times like this is wen I need my them to help me out S I intent to get caught and get current with my payments. The representative I spoke to said that I need it to pay 2 payments and how on earth would I get 2 payment we are talking about 1,000 approximately I know Im behind ally and that is why i come to you to help me out. Not for you to denied me and humiliate me by your representative that are rude and ignorant that they dont care about people emergency people financial hardship. I feel like ally representatives like to discriminate XXXX XXXX and humiliated them too. I want s resolution I dont want to get. Repo I need assistance now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-29

Mabank, TX

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-29

Firestone, CO

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

2018-11-28

Nyc, NY

Closing an account

Checking or savings account: Savings account

Company closed your account
Complaint: Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-28

Philatelic Center, CA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. I have not been able to access funds in my account for almost two months.
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

2018-11-27

Oxford, GA

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: Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-27

Jacksonville, FL

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

2018-11-27

CT

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: My husband and I leased a XXXX and returned the XXXX back to the dealer in a timely fashion in 2018. Ally provided financing for the XXXX. Throughout the course of the three-year lease, we were never so much as a day late with any payment. On XX/XX/2018, we wrote to Ally and disputed certain charges they alleged, including for excess wear and tear following the return of the XXXX. We understand that Ally claims we owe about {$600.00}. Although we sent via certified mail to Ally a cease and desist letter, it continues to contact us several times a day including at our places of employment. Ally further continues to contact our family members as well as individuals who are not related to us. If Ally wishes to file a small claims suit against us, I'd be happy to defend the same and provide the court with copies of the documents and photos we have. However, we want the harassment to stop. We request your assistance in this regard. The company harassing us is : Ally, XXXX. XXXX XXXX, XXXX, MN, XXXX. Telephone number 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

2018-11-27

Fairfield, 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

2018-11-26

Unity Plaza, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours. How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked. I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim. I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-25

Arcadia, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

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

2018-11-24

Scottsdale, AZ

Incorrect information on your report

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

Information belongs to someone else
Complaint: Ally Financial pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry on my XXXX XXXX credit report is fraudulent, unauthorized and not mine. I never applied for an auto loan with Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-24

FL

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 on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XXXX of 2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct 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

2018-11-22

CT

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have had a problem with the company that in financing me a automobile, I made a payment late by 1 day and they have reported the information as late 30 days. The error has been recognized by Ally Financial but they have not taken steps to correct the data and/or adjust or order the adjustment of the information they are providing to the CRA 's ( XXXX, XXXX and XXXX ), furthermore I am asking that they update my file in accordance with the guidelines set out in the FCBA and the FCRA. Payment was late by 1 day and they have illegally reported it as 30 days late.
Company Response: Closed with explanation

Timely Response

2018-11-21

Washington, DC

Managing an account

Checking or savings account: Checking 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 explanation

Timely Response

2018-11-20

Shulerville, SC

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

2018-11-20

Mem, TN

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-20

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
Complaint: I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-20

San Luis Obispo, CA

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

2018-11-20

Plymouth, FL

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

Vehicle loan or lease: Loan

Investigation took more than 30 days
Complaint: My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response