ALLY FINANCIAL INC

2018-11-09

CT

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

TN

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: Today I received a call from Ally Financial, which left a message on my telephone asking for contact information for my brother, XXXX XXXX, because he " owes '' them money for a debt. I am not XXXX XXXX. I called the company back at XXXX, ext. XXXX and spoke with XXXX, the woman who left the message on my phone. I informed her that she violated FDCPA by contacting me and informing me of my brother 's debt and that she needed to not contact me again. She said she would not stop contacting me until I verified who I am. I said she needed to stop calling immediately and she hung up the phone. This is harassment and I am not going to stand for it. I would like to file a formal complaint with the company and have them punished for harassing me while I am at work. Thank you, XXXX XXXX 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

2018-11-09

Woburn, MA

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

2018-11-09

Lk Buena Vis, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
Complaint: I filed bankruptcy in XX/XX/XXXX as a single filer, my spouse did not file. Ally Financial filed a claim for the full amount of the loan with the courts. At that time they indicated that the amount outstanding was XXXX, with a loan total of over XXXX. which was noted as late charges on our account. ( Since purchasing this vehicle it should also be noted we have had to spend almost XXXX on repairs to the vehicle which were due to know manufacturing defects in this vehicle when sold to us by our dealer and are having these claims investigated and has cause a larger financial strain on us. ) Once the Bankruptcy was filed, the account was shut down online with no access even to my non filing spouse, there were no statements, no verbal communication, or other contact via mail to my non filing spouse. NO payments would be accepted and the auto pay feature that we had set up was shut down so no payments were taken for 10 months. We had been advised by our attorney to set up the auto pay feature to our loan so that they payments would continue, however Ally shut the entire account down. They would not discuss the account due to the claim in the bankruptcy courts and the auto stay. Fast forward to XX/XX/XXXX, We woke to tail lights in our driveway on XX/XX/XXXX. The were repossessing the vehicle in my husbands name. A phone call was made to ALLY bankruptcy solutions and I requested information as to why the car had been removed from my driveway. I was met with a very rude, and dismissive female by the name of XXXX who advised me that we were 274 days late with payments ( payments they would not allow us to make, or discuss, and had not withdrawn based on the auto pay set up ) I inquired as to why there was no communication of balances dues, statements being sent, no communication related to the non filing spouse my husband. She very rudely and demeaning voice she told me I should consult my attorney because I obviously did not understand the bankruptcy stay rule, and when I pointed to the fact that my husband who was the primary on the account was not the one filing bankruptcy, she advised that the consider the contract as ONE contract, and that because of the bankruptcy stay, that she again told me I must not understand and should contact my attorney about did not enable them to contact, send statements, or take payments from us. The stay on the vehicle was lifted on XX/XX/XXXX per XXXX this is the day they received notification. She stated that her department had attempted to reach my husband regarding the vehicle on two different occasions, however we did not receive the phone calls, and explained to her the phone calls were not received. I inquired as to why they had not sent a letter by regular mail, or certified mail, as they had shut down the account, and not communicated with my husband in any way. She became even more belligerent and yelled at me telling me that I obviously didn't understand the bankruptcy laws on the " stays ' and that it was our tough luck if we didn't get the calls. I advised her I had received a call to me personally, not my husband the night before I made this call to her, but it was an hour prior to their office closing, and they had taken the car before I could even call and inquire about the nature of the call that evening. She again kept being belligerent and rude, offering me no further explanations except that the Bankruptcy Stay did not allow communication with my spouse or myself prior to XX/XX/XXXX and that it was our tough luck. We would have made arrangements to get the payments figured out. We are also having issues with the IRS and they had just levied my husband 's bank account taking all of our money, but we could have had my attorney contact them if we had been given the chance. There was no attempts at rectifying this with us, and no cooperation with them. Without sending statements, shutting our account down, canceling the auto pay feature, and refusing to communicate with us due to the bankruptcy stay, which XXXX made me quite aware that is why they hadn't reached out to my spouse regarding the past due payments, we had no way of making every effort to make right on the past due. It was not communication at least making sure my husband was aware of this lift and could make payment arrangements. This lack of cooperation, and refusal to find a solution to our problem has created greater financial hardships. Also I received a letter indicating that I was represented " pro se '' in my bankruptcy which was not the case at all. I have had attorney representation since the start of my bankruptcy, they even sent a copy of the claim to my attorney with a copy of the contract. Our vehicle is due to be sold on or after XX/XX/XXXX. The have already posted the repossession to my husband 's credit bureau report and indicated that the account was closed. I asked XXXX how we were supposed to make payments, why the account was shut down making it impossible to make payments, and the fact that they were not sending statements to my spouse ( the prime on the loan ) or allowing us to communicate by phone with them and all she kept saying was well you filed bankruptcy, pointing the fact of the Bankruptcy stay, and when I asked her how we were supposed to know that we needed to make things right with them without prior communication, she made it known it pretty much wasn't her 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

2018-11-09

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

Timely Response

2018-11-08

Kissimmee, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-11-08

Elizabethton, TN

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

2018-11-08

Bloomington, MN

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-11-07

Allentown, PA

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

2018-11-07

Saugatuck, MI

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

2018-11-07

Gardnerville, NV

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My husband and I recently joined bank accounts. The Ally vehicle loan auto payment still came out of my husband 's old account on XX/XX/2018. The email thanked us for our payment of {$580.00}, so we assumed that we paid in full. The following day, XX/XX/2018, we received another email thanking us for our payment of {$570.00}. So, we received two emails stating that we were paid in full for the month of XX/XX/XXXX. It wasn't until over one month later, on XX/XX/2018, that another email was sent stating that our " vehicle payment scheduled for XX/XX/18 was returned. '' The old account that the auto payment drew from had insufficient funds because it was no longer in use, due to my husband being added to my account as a joint account. Now, my husband 's credit has taken a major hit because this was considered a 30-day late payment. However, Ally did not notify us of this until almost 6 weeks after the fact. Instead, we were told on two separate emails that we were paid in full. If we had been notified immediately, we could have paid this in full immediately, and our payment would never have been considered late. My husband and I have been paying on this vehicle loan through Ally for over 4 years now, and have never been late on a payment. Because we are in the midst of buying our first home, we need a letter from Ally stating that our account has been " paid as agreed. '' We close on this home on XX/XX/2018 -- in just one week. If we do not receive this letter, and give it to our Home Loan Officer immediately, we will not be able to go forward with the loan for this house, and will lose this opportunity. We have spoken to numerous Customer Service Specialists and they have now submitted our request twice, and have marked it " urgent '' twice. Every time we check the status, we are told it is still " pending '' and given no further answers. Ally failed to notify us of our late payment until 6 weeks after the fact, which is considered fraudulent behavior -- they never gave us the opportunity to correct their mistake. We requested on multiple occasions that Ally send us a formal letter, on their letter head, referencing our account #, stating that we are " paid as agreed '' by XX/XX/18 -- which they failed to do. This letter needed to be sent via fax to XXXX XXXX XXXX at XXXX XXXX XXXX. My husband and I have both been calling Ally separately for weeks now. He has called at least on 4 separate occasions. Due to a lack of help, I began calling -- I called on XX/XX/18 twice and they finally stated that someone from the Executive Customer Relations Department would be contacting us within 48 hours. I also faxed over a cover letter on XX/XX/18 stating the information listed above in addition to the emails we received. They did not contact us until XX/XX/18, and unfortunately we missed their call. I called back this same day and left a detailed message. My husband called yesterday, XX/XX/18 and left a detailed message. I called today, XX/XX/18, and left another detailed message, with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-07

Camp Springs, MD

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2018-11-05

El Paso, AR

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: The amount owe is not the right amount The right amount is 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

2018-11-05

Las Vegas, NV

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or 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

2018-11-03

Orion Twp, MI

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: Dates XXXX to XX/XX/2018 ALLY FINANCIAL INC : Letter sent out haven't got back to me. XXXX XXXX XXXX : XXXX : Letter sent out haven't got back to me. XXXX XXXX : Letter sent out haven't got back to me. XXXX XXXX : Letter sent out haven't got back to me. XXXX XXXX : Letter sent out haven't got back to me. XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. XXXX XXXX XXXX : Letter sent out haven't got back to me. XXXX XXXX XXXX via XXXX : Letter sent out haven't got back 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

2018-11-03

Miami, 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

2018-11-02

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Ally pulled credit report XX/XX/18 through XXXX and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with XXXX there was no fraud alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-02

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

Timely Response

2018-11-02

Oak Grove, MO

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

2018-11-01

Lafayette Hl, PA

Fraud or scam

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: A Cashier 's check ( from XXXX XXXX XXXX ) for an amount of {$990.00} was submitted by me to Ally Bank ( via mobile banking app ) on XXXX. As per bank 's policy, my account was credited with {$990.00} on second business day on XXXX. On this basis, I took out the funds on XXXX evening at XXXX EST and I transferred the money via money order to the scamster. Next day on XXXX, bank took out the money back saying that the check was fake. I never received any alert to indicate that it was a fake check. If I would have received an alert on XXXX from the bank, I would have stopped the payment of money order that was done on XXXX. I requested Ally bank to refund me the money because as per me, it was bank 's fault to credit the account and secondly, bank didn't alerted me on time. Bank is not agreeing to refunding me the money. Their argument is that bank can take back money even after 10 business days. I do not understand that how long a customer should wait in order to be sure that nothing is wrong with the check. I need your help in getting the money back from the 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

2018-10-31

Las Vegas, NV

Managing an account

Checking or savings account: Other banking product or service

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

2018-10-31

N Palm Beach, FL

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

2018-10-31

Aloma, FL

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

2018-10-30

Fred, VA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

2018-10-30

Quartzsite, 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
Complaint: my credit report was obtained from the following companies without my authorization and is causing extreme damage to my 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