ALLY FINANCIAL INC

2018-09-18

Jacksonville, FL

Incorrect information on your report

Checking or savings account: Other banking product or service

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

2018-09-18

Grosse Ile, MI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Over the period of 3 months starting around XXXX, Ally Financial began contacting me trying to reach another person about a debt and leaving messages on my voice mail. I dismissed the calls as they didn't pertain to me. However they called began to increase in frequency ( 5 or 6 times within an hour ) to a point where I had to begin blocking them. They changed tactics after this by using private or blocked numbers to bypass my blocks and using international call centers to try and reach 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

2018-09-18

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I repeatedly called them, spoke with management, customer service told me although its theif they cant do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-18

Haskins, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.
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

2018-09-18

Silver Spring, MD

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't close your 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

2018-09-18

Liverpool, TX

Incorrect information on your report

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

Account status incorrect
Complaint: Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered 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

2018-09-18

Federal, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-09-17

Kilsyth, WV

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-09-17

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

2018-09-17

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: Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-17

Seneca, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-17

Sebring, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 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

2018-09-16

Dallas, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX and with Ally. I have attached all letters with certified copies. I spoke with XXXX from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX or t the above address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-14

Woodland Hills, CA

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

2018-09-14

Media, PA

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

2018-09-14

Lawncrest, PA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed 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

2018-09-14

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
Complaint: My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
Company Response: Closed with explanation

Timely Response

2018-09-13

Philatelic Center, CA

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

2018-09-13

San Leandro, CA

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

2018-09-13

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 monetary relief

Timely Response

2018-09-13

Newnan, 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
Complaint: The below email was sent Ally 's Financial prior to the negative late payment reporting notification that I received today. Please open a full investigation or call recordings and notes on my account that should prove I made the proper arrangements to avoid a late fee, negative credit report and negative account status. Thanks in advance, XXXX XXXX To Ally Auto XX/XX/18 To : Account Manager Only, XXXX : ***UNAUTHORIZED PAYMENT*** Last week, XX/XX/2018, I spoke with an account representative who advised that I had until Monday XX/XX/2018 to make the past due XXXX payment iao {$660.00}. He advised that the payment would have to be made before XXXX XXXX and that I would not be charged a late fee. The representative stated that my account would remain in good standing as long as the payment was made prior to XXXX XXXX and that he would note my account thoroughly. 1. As agreed, I made a payment iao {$660.00} on XX/XX/2018 prior to XXXX XXXX 2. This payment was made by a dear friend of mine, XXXX XXXX who authorized her bank card information. 3. Someway, somehow, my personal check account was charged iao {$660.00} instead, in which I did not authorized, nor did I schedule any payment arrangements. 4. XXXX Bank informed me that the transaction iao {$660.00} cleared at XXXX XXXX on XX/XX/2018. This transaction has been disputed. Please see the attached receipt showing the payment was made using another account. 5. After speaking to one of Ally 's account representatives this morning who accused me of scheduling the payment myself iao {$660.00}, I prefer to only speak to an account manager who will take the time to listen and help me to resolve my concerns. ***PLEASE NOTE : I did not schedule a payment to be drafted from my Chase personal checking account. The payment had to be manual made for me to ensure no late fee or negative reporting would occur on my account*** 6. I am requesting the call is pulled from XX/XX/2018 to confirm the verbal arrangements between the account representative and I regarding my XX/XX/XXXX payment. Please confirm the notes on my account, as well as the actions the representative took on his end. 7. I am also requesting the late fee to be removed from my account and would like to confirm that my account is in good standing with no negative reporting 's to the credit bureau. XXXX. Please call me ( XXXX ) XXXX or email XXXX me with an update. Additional email sent XXXX XXXX Re : ***UNAUTHORIZED PAYMENT*** CASE : # XXXX To Ally Auto XX/XX/18 I would like to add, that I only received one email confirmation for payment iao {$660.00} which was authorized. Where is the email correspondence for the additional payment iao {$660.00} ( not authorized ), as well as the original email correspondence proving that I did scheduled the payment iao {$660.00} to be autodraft from my personal account. This is a violation of my consumer rights. I would like to have this resolved as soon as possible or I would be forced to ask the XXXX and CFPB to investigate on my behalf.
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

2018-09-13

Phila, PA

Vehicle was repossessed or sold the vehicle

Payday loan, title loan, or personal loan: Title 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

2018-09-13

Havana, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Yesterday morning my car was repossessed by a bank that was not my lien holder and they were extremely uncooperative in getting my car back to me. My car was wrongfully repossessed by a bank that had no ownership of the car. I was trying to get out the door to go help my dad before taking my son to school, my dad is recovering from XXXX. I looked out my window to see my car being towed in my driveway. I asked what was going on and the man operating the tow truck vehicle tells me that my car is being repod. I ask if I can get my stuff out of my car. He lets me get the stuff out of my car. I ask who is trying to repo my car he says it's Ally. I tell him my loan is through XXXX XXXX. I give him my keys and call XXXX XXXXXXXX they tell me that my account is current and that they are not trying to reposes my car. They tell me to call the police. I call the police and tell them what's going on they inform me there is a list for repos and they're going to see if my car is on the list. An officer arrives about 30 minutes later saying the car is on the list for repossession. Officer is kind enough to stick around and help us figure out the situation. Officer gave me a number for the repossession specialist. Call repossession specialist and she mentions the name XXXX, Ally Bank, and XXXX stating that they are the companies trying to reposes the vehicle. XXXX seems to be a previous owner. There are concerns that XXXX ( whom I purchased the vehicle from ) has bungled the paperwork. I'm advised by repossession specialist and officer to contact my bank so that they can discuss the situation with Ally so that my car can be released. I'm also advised to contact XXXX. I contact my bank and talk with an auto loan specialist who again confirms my account is current, my call is transferred to the agent I talked with initially that morning. My call is forwarded to the repossession team. XXXX is now handling the case. XXXX contacts the recovery specialist that currently has my car. She also contacts the two companies the repossession specialist said are responsible for the repo. Both companies state that they are not trying to repossess the vehicle. Ally claims the car was paid of in XX/XX/2018. XXXX faxes over my information to the repossession company showing my ownership and that XXXX XXXX is the lien holder. I was advised by a representative of Citizen Services at the Office of the Attorney General to call the police back and confirm where the repossession order came from. The police confirm the repossession order came from Ally Bank. The repossession team coordinates with Ally and XXXX to have my car returned to me. Ally Bank refuses to cooperate. Ally bank initially denies sending out a repossession order for the vehicle, while XXXX XXXX 's repossession team is trying to coordinate with them they refuse to give a hold harmless letter for my car to be released and hang up on XXXX XXXX 's team repeatedly. I call XXXX the previous owner of the car is named XXXX XXXX. I call Ally my phone call is subjected to an automatic messages stating that they are attempting collect the amount that I owe them and that any information will be used for that purpose. The agent that I talk to looks in Ally 's system to see if I have an account with them. I am not in their system, they transfer me to upper management. I inform them that they have repossessed a car that they have no right to try to repossess, they are not the lien holders. I ask for a copy of the repossession order so that I can figure out where everything has gone wrong. XXXX with upper management refuses to produce the documentation. She says I have to proof of purchase and proof that the car is mine and that the legal department will review it from there. I ask her how long it will take the legal department to review it she says up to 24 hours. She gives me an email address to send the information to. I try to send the email and the email address given to me is invalid. Eventually my case transfers to XXXX with XXXX XXXX 's repossession team she finally has a break through and is able to get the car returned to me. It took 10 hours to get the situation resolved. I'm filing this complaint about Ally Bank but will be following up with XXXX next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-12

Paterson, NJ

Improper use of your report

Vehicle loan or lease: Loan

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

2018-09-12

Naples, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. 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