ALLY FINANCIAL INC

2018-06-19

Bunker Hill Village, TX

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

2018-06-19

Bronx, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX, I purchased a vehicle from a XXXX dealer in XXXX Pa. I was given Ally bank as the car loan financer. In XX/XX/XXXX I voluntarily had the car repo 'd because the car was unsafe, and I also found that I was paying a large amount on the car loan in finance charges although at the time of approval my credit was not below average in fact I was able to obtain another vehicle at a lesser cost from another dealer at the time which attest to my credit worthiness. I was up to date on all payments and even sought to refinance the cars loan balance of about {$38000.00}. with the company to which they came back with a new offer of {$700.00} plus dollars a month and an extension of 7 years on the loan. I couldn't quite understand why I was being offered such a gross amount which was no different than my previously monthly payment of about {$850.00} monthly. I returned the car and did not hear back from Ally at all, I did move around a few times however they had my forwarding address on file always, and emergency contact numbers. On or about XX/XX/XXXX, I started seeing a balance of {$8300.00} dollars from Ally bank on my credit report. so from XX/XX/XXXX to XX/XX/XXXX, Ally bank had not contacted me they did not forward me any paperwork about the car being sold at auction, where the auction was held or how much the car sold for, nor had they given me the choice to take on the {$8300.00}, as my own debt and pay the tax on it. I hired a credit repair agency to dispute the debt because I feel that there was some type of shady issues going on with Ally. Upon researching the company further it had come to my knowledge that Ally agreed to a settlement of discrimination during the time period of the time I purchased the vehicle, and they were refunding overcharges in financing that the Federal government had found they were guilty of overcharging XXXX XXXX on interest and splitting the proceeds with car dealers. I feel that I am a victim of this practice, I did not know there was a lawsuit and could not get the administrators of the class action suit on the contact line but I sent them a message to which I have not heard back from them. I feel that because of their breach in Truth In Lending Practices negates me from what they are saying I owe Ally has committed fraud, the fact it took them over a year and a half to contact me on the car so I don't know what the fee 's are, is a violation of my consumer rights and that they should remove this inaccurate information from my report. According to the law : Most states bar creditors from collecting a deficiency balance if they fail to comply with notice requirements ( such as notifying you of the right to cure or of the sale ) or didnt sell the property in a commercially reasonable manner. Ally just wrote me a letter stating I owe money to my address which means they had all information to contact me in writing certified mail of the actions regarding the reselling of the car and my rights as a consumer. Ally bank is a bad institution and I would like to resolve this issue with the discharge of the amount, and the removal of the misinformation on all my reports, and prevent them from providing this debt to debt collectors and ordering all debt collectors to remove this inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-19

Mesa, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-19

Lake La, 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

2018-06-18

Milford, NJ

Incorrect information on your report

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

Account information incorrect
Complaint: Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : 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

2018-06-18

Mabank, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank 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

2018-06-16

Springfield, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with 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

2018-06-15

Kawaihae, HI

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Complaint: Ally Financial is incompetent at getting me a letter so I can put my car on a ship and send it from XXXX to XXXX. The communication is horrible and I am running out of days to ship my car. They already send me the wrong letter! After sending me the wrong letter, they asked me for more info to send the right letter, why didn't they ask for the right info in the beginning!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-14

Leesburg, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: When I opened my account with Ally ( formerly XXXX ), they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. TOTAL DEMANDED : {$80.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-14

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I rented a house about 3 years ago. The previous renter was XXXX XXXX. Other than the initial changing of water services, etc. I've had no contact with him. A year or so ago, I began getting calls from a debt collector. When asked how & why they had my number, they told me they have to right to investigate & call his relatives & anyone who might know him- they found my number by the address & it did not matter if I was on the Do Not Call Registry. One evening a guy came to my home looking for him. This man was driving a tow truck, so we presumed he was there to impound a car. I know that the house was broken into when XXXX lived there. This feels like a threat to my property & personal safety at this point. These people continue to call me about every 2 weeks. I've gotten voicemails form " XXXX '' & " XXXX ''. I spoke to " XXXX, employee XXXX '' today, who refused to let me speak to a manager and hung up on me. I've XXXX to them & got no response. When the calls from them increase, so do all Robocalls/texts. I feel that they are illegally sharing my info as a threat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-14

NC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Ally Financial has not applied payments to the car loan accurately, and they have added months on the payments as well as reporting that I have 12 missed payments which is all false. They also report a late payment every month the the credit bureaus. The car loan was for 72 months, I received the car in XX/XX/2015, which means there should be 36 months left on the loan but Ally Financial is reporting there is 44 months left on the loan. The loan started at XXXX and 3 years later it is showing XXXX left on the car loan, IMPOSSIBLE. Based on what Ally Financial numbers I will be paying almost double for this vehicle which is a used XXXX. This company is stealing and will not talk and explain any of it. I can never get anyone on the phone to explain this, they only say what is showing which is the same thing that I can see from the online system which is FALSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-14

Kennett Sq, PA

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

2018-06-13

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

Timely Response

2018-06-13

Lake Ridge, VA

Managing an account

Checking or savings account: Other banking product or service

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 non-monetary relief

Timely Response

2018-06-13

Mosca, CO

Managing an account

Checking or savings account: Savings 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 non-monetary relief

Timely Response

2018-06-13

Mem, TN

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

2018-06-12

Alachua, 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: I went to XXXX located in XXXX, XXXX. Saturday XX/XX/XXXX between XXXX-XXXX XXXX and I gave XXXX permission to access my credit report and try to obtain financing. I did not give permission to : ALLY FINANCIAL XXXX XXXX XXXX XXXX, XXXX 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

2018-06-12

Centerton, NJ

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

2018-06-11

Lakewood, NJ

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 monetary relief

Timely Response

2018-06-11

Bartlettsville, IN

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

2018-06-08

South Florida, FL

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

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and 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

2018-06-08

Ridley Park, PA

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: I recently checked my credit reports and saw that Ally is reporting that i was 30 days late in XXXX on XXXX and XXXX, but on XXXX it shows i was 30 days late in XXXX. I dont recall ever being late at all.I disputed the inaccurate information with all 3 credit bureaus and they are still reporting the mismatching information to the bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-08

Mahomet, IL

Incorrect information on your report

Vehicle loan or lease: Loan

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

2018-06-08

Miami, 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

2018-06-08

Pass A Grille, FL

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 monetary relief

Timely Response