ALLY FINANCIAL INC

2018-10-29

Palo Alto, CA

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

2018-10-29

Euclid, OH

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 monetary relief

Timely Response

2018-10-29

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

Timely Response

2018-10-29

Birmingham, AL

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

2018-10-28

Brentwood, TN

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 dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-28

Harsens Is, 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: I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Reason : Company broke arbitration clause in the contract and sold vehicle without proper notification. Company placed charge off on credit report before vehicle sale was complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

Mesquite, TX

Incorrect information on your report

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

Account information 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

2018-10-25

Beyersville, TX

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
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

2018-10-25

Bethlehem, GA

Incorrect information on your report

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

Account information incorrect
Complaint: In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession. Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle. The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle. I spoke with a representative with Ally and made very clear which documents I was requesting on two separate occasions but attached is all that I received. In addition, the request was received by Ally on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had. In addition Ally has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances. I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX, and XXXX didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account. This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-25

San Diego, CA

Identity theft protection or other monitoring services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: Many hard inquiries that I have not submitted for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-24

Mount Pleasant, WI

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

2018-10-24

UT

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 did not authorize this credit check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Grand Island, NY

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

2018-10-23

Boynton Beach, 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 non-monetary relief

Timely Response

2018-10-23

San Jose, 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

2018-10-23

Tampa, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all. My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Bronx, NY

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Grovetown, GA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

Douglasville, 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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-22

Alexandria, VA

Incorrect information on your report

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

Account status incorrect
Complaint: According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be 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

2018-10-21

Wonder Lake, 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 contacted the company and asked that the information be verified and have not received any communication from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-20

Forest Hills, TN

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

2018-10-19

Jefferson, WV

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-19

Escondido, CA

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 explanation

Timely Response