ALLY FINANCIAL INC

2018-07-16

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

Their investigation did not fix an error on your report
Complaint: I was shocked when I viewed my credit report and found late payments below.. Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-15

Flushing, 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

2018-07-15

Oak Grove, MO

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-13

TX

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem related to refinancing
Complaint: I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-13

Fort Lauderdale, FL

Managing an account

Checking or savings account: Other banking product or service

Fee problem
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

2018-07-13

Pine Bluff, AR

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

2018-07-12

Fort Pierce, FL

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

2018-07-12

Bedford, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: IN REGARDS TO ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX I HAVE DISPUTED THIS ACCOUNT WITH THE BUREAU AND IT HAS COME BACK VERIFIED AS ACCURATE AND THIS CAN NOT BE RIGHT BECAUSE THIS IS NOT FACTUAL. THIS INSTALLMENT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED AND I HAVE PROVIDED PROPER DOCUMENTATION AND THEY HAVE REFUSED TO REMOVE THIS NEGATIVE ITEM FROM MY CREDIT REPORT.I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN USED TO OBTAIN GOODS AND SERVICES I NEVER AUTHORIZHED OR SIGNED 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

2018-07-12

Rockingham, NC

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

2018-07-12

Las Vegas, NV

Improper use of your report

Payday loan, title loan, or personal loan: Personal line of credit

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

2018-07-12

Sacramento, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-11

Newark, NJ

Incorrect information on your report

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

Account information incorrect
Complaint: On XXXX I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-11

Watkins, CO

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was not.
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

2018-07-11

Shalimar, FL

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

2018-07-11

Wallington, NJ

Managing an account

Checking or savings account: Savings account

Cashing a check
Complaint: Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.
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

2018-07-10

Keswick, CA

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 monetary relief

Timely Response

2018-07-10

Discovery Bay, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-09

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

Timely Response

2018-07-09

Lancaster, NY

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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 monetary relief

Timely Response

2018-07-09

Phoenix, AZ

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 monetary relief

Timely Response

2018-07-08

Lb, CA

Opening an account

Checking or savings account: Savings account

Confusing or missing disclosures
Complaint: On XX/XX/2018, I went to the Ally Bank web page and completed a Savings account application. It was said that I would receive an email to confirm my application was at least received, after all if one puts information like social security number and address as well as relatives names one should be assured. XXXX XXXX XXXX - Director eCommerce Care Contact would probably be surprised by this service example, I have 3 college degrees including a XXXX XXXX of XXXX, and have studied business and statistical analysis. Did the webmaster try to disprove or not let mine through to be processed. I am a minority and have served my country. I had to call the next morning XX/XX/2018, at about XXXX pacific time, were I was put on hold twice, because the person who answered said she at first had now knowledge of my application, even after getting my personal information I had to submit. By the way I am published so writing you and anyone else when inspired to for my well being, when prompted is no big deal. Finally, the person said they had to contact their said back office and said she found my Ally Savings application, over the phone said number XXXX. I asked for an email, since I had confirmed it and other information. The phone representative said it would not be available until after 48 hours, still no written assurance of the process proceeding so far. I have been recognized as a City of XXXX XXXX Commissioner where I had the local police investigated for destroying homeless minorities ID ans Social Security card. The DOJ was alerted since they were veterans, I received a report from internal affairs about this. I say this encase retaliation maybe part of this as a connection. I was seen as a here for bring the problem to attention. A city counsel member recommended my for two city commissions. The bottom line is this everyone got an email or notification it seems regularly for applying for an account. I should be treated the same for a chance to pursue happiness. I await my chance also. Thank you.
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

2018-07-06

Ralston Corner, VT

Managing the loan or lease

Vehicle loan or lease: Lease

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

2018-07-06

Lewisville, TX

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Complaint: Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days. I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).
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

2018-07-06

Woodbridge, VA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-06

MI

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact. Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally. after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this. Thank you for reaching out, but its out of my hands. And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended. Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response