ALLY FINANCIAL INC

2018-07-26

Bakersfield, CA

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

2018-07-25

Bellaire, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: I have several inquiries on my report that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-25

La Vernia, TX

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

2018-07-25

Forest Hills, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2018-07-24

Wascott, WI

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

2018-07-24

NY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
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

2018-07-24

Library, PA

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
Complaint: Ally is a predatory lender i got a lian in 2013 with them they had a settlement against them in 2013 for XXXX and minorities that gpt a loan 2013 i wrote them a letter recently to attempt to settle my loan they cashed the check my interest was 14 percent over a 6 year term they got almost double their money from me i want my title
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-24

Palmyra, MI

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 explanation

Timely Response

2018-07-23

Rancho California, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms. XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers. I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-23

Belle Valley, PA

Closing an account

Checking or savings account: Checking account

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 monetary relief

Timely Response

2018-07-22

Plano, 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

2018-07-21

Atlanta, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Complaint: On XX/XX/2018 I traded my XXXX XXXX for a XXXX ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-21

Bridgetown, OH

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

2018-07-21

Vallejo, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Information is missing that should be on the 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

2018-07-21

Houston, TX

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

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

Investigation took more than 30 days
Complaint: XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-20

Hinsdale, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-20

Harsens Is, MI

Incorrect information on your report

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

Account status incorrect
Complaint: Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-20

OH

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called 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

2018-07-19

Mem, TN

Closing an account

Checking or savings account: Checking account

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 monetary relief

Timely Response

2018-07-19

Corpus Christi, TX

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

2018-07-17

Burlingame, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-17

Boston, MA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I didn't know what this company and i didn't request from this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-17

ME

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-17

Burbank, CA

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

2018-07-16

Bedford, OH

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response