ALLY FINANCIAL INC

2018-05-05

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

Timely Response

2018-05-05

Camp Hill, PA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-04

MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off my credit 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

2018-05-03

Finksburg, MD

Incorrect information on your report

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

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

2018-05-03

Jupiter, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX and reporting Full termination, balance owing on XXXX and 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

2018-05-03

Highland Lake, AL

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Napoleon, ND

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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

2018-05-03

Bath, SC

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was 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

2018-05-03

Mem, TN

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

2018-05-02

Kemper Ins Co, IL

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent 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

2018-05-02

Silver Spring, MD

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: on XX/XX/XXXX shortly before midnight my Ally Bank checking account had a charge posted to it - pending - for {$1800.00} from " XXXX XXXX '' in XXXX, XXXX. It completely wiped out the money in my account. I called Ally Bank immediately and told various representatives about the fraudulent charge. They said they could not help me until it was posted. I asked that they put a fraud alert on my account and cancel the card which the charge came through. They said they would handle both. On XX/XX/XXXX when I checked my account in the morning, the charge was gone. And my new debit card arrived yesterday XX/XX/XXXX. But a short while ago my account was charged again {$1800.00} by " XXXX XXXX '' in XXXX, XXXX! And it posted! I called Ally Bank and asked how this could have happened - I have a new card, there was supposed to be a fraud alert on my account - it was a charge from the exact same scammer! My account is now hundreds of dollars below zero and Ally Bank says it needs to investigate the matter and they do not know when I will get my money back! This never should have happened a second time! I need urgent help please. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-02

TX

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

Vehicle loan or lease: Loan

Problem with personal statement of dispute
Complaint: For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for XX/XX/XXXX.
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

2018-05-02

AZ

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the 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

2018-05-01

Hollywood, FL

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: Company ( Ally Financial ) calls from various numbers using spoofing techniques to emulate numbers I have saved as personal contacts Company calls from BLOCKED phone numbers and does not leave message informing me what they are calling about XX/XX/18 I have been in contact with company to make payment arrangements due to a recent new job. Informed them of when my paycheck would be so I can make payment next day. They indicated they would notate my account and hold off on late fees. XX/XX/18 Company called from BLOCKED number, did not leave message XX/XX/2018 Company repossessed car between XXXX XXXX and XXXX XXXX, did not leave notice of repossession or company. I thought car was stolen. Called police to create police report. Called auto loan to inform them of theft and thats when they informed me of repossession. Added {$400.00} repossession fee as well as {$200.00} " re-key '' fee even though car has been in their possession less than 8 hours. Escalated problem to manager and he was abusive, vague and incorrect on the facts of my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Ernul, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Wattenburg, CO

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 attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit 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

2018-05-01

Bellaire, TX

Incorrect information on your report

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

Account status incorrect
Complaint: This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. Ally Financial continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. Ally Financial provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as 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

2018-05-01

Norcross, 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

2018-04-30

Lathrup Village, MI

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-30

AR

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-29

Plymouth, 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 turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-29

Weston, CT

Managing the loan or lease

Vehicle loan or lease: Lease

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

2018-04-28

Hagerstown, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower 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

2018-04-28

Pulaski, MS

Incorrect information on your report

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

Account information incorrect
Complaint: Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not XXXX
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

2018-04-27

Williamston, MI

Communication tactics

Debt collection: I do not know

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