ALLY FINANCIAL INC

2018-04-27

Lk Buena Vis, FL

Getting a loan or lease

Vehicle loan or lease: Loan

High-pressure sales tactics
Complaint: Ally financial calls me all day every day if there is a late payment. Including when I call them to let them know the payment will be late. It is interfering with my work at this point and if I lose my job then no payments will be made. This is harassment. In the attachment you will find today 's calls three times in a period of an hour and a half.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-27

Miller Place, NY

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

2018-04-26

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

2018-04-26

IL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: The company is Ally Financial. I have my loan since XX/XX/XXXX. I made my 1st payment XX/XX/XXXX. I notice today XX/XX/XXXX when going online to make payment they only showing I paid 12 payments. I have made 16 payment. I do agree I had 3 extension and a due date change however my payment count still should reflect 16 payments. I tried to address this with them and they ( Ally Financial ) said if they correct this would mess my payment up like its my fault. That 4 of my payments went towards finance charge instead of finance, principal, interest which would also advance my payment count on my 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

2018-04-26

Lexington, KY

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

2018-04-25

Baltimore, MD

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

2018-04-25

Boston, MA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: XX/XX/XXXX Check XXXX from XXXX XXXX deposited into my wife 's account at Ally Bank via mobile deposit. XX/XX/XXXX My wife notices funds have been removed from Ally Bank and calls Ally service number. Representative states we should follow up with check issuer as the funds were removed by request. After back and forth with check writer, they state they did not receive the funds from Ally and tell us they do not have the funds. XX/XX/XXXX My wife contacts Ally and representative states we may be victim of ID fraud and that a claim has been opened. Since that time we have not been able to speak with the Loss Prevention Unit of Ally Bank and they refuse to return our 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

2018-04-25

Ardmore, MD

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

2018-04-25

Atl, GA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with monetary relief

Timely Response

2018-04-25

Glenwood, IA

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

2018-04-24

Lewiston, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-24

San Jacinto, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Business Information Business Name : Ally Financial, Inc Address : XXXX, MI XXXX Phone : ( XXXX ) XXXX Complaint Details I have had Ally since XXXX when I got my van. I set up auto pay through my bank with a set amount for each month. In XX/XX/XXXX I did a split payment and actually increased the amount to be given. The second payment was not posted to my account and I was marked as being late with a late fee and a negative credit rating change along with collection calls. In XXXX a single payment was submitted also with an increased amount this was also not posted and again my account and credit ratings negatively were impacted. In XXXX I submitted a payment of less the over pay from XXXX and XXXX this was posted to my account. I have made numerous calls and emails to the company along with calls to my bank and my bank calling the company submitting proof of payment and my bank being able to show proof that each of the 2 checks that were not posted were signed for and that XXXX 's was cashed but not posted. My bank ( XXXX ) has submitted this documentation to Ally on multiple occasions and a second check and stop payment on the XX/XX/XXXX payment that was signed for but had no further actions as well as the proof of check received and cashed for the XXXX payment. I have been on the phone more times than I can count and have had several collection calls as well as my credit reports are showing that I am moving towards the 60-90 day late. My account has yet to reflect that the full payment and amount was done and on time in each on the months of XXXX, XXXX and XX/XX/XXXX. I want a letter of apology for the incompetence this company has shown and the negative impact it has made on my life with my credit ratings and reports. Because of this I have been denied refinancing and other credit. I sent in a complaint to the XXXX but due to the fact Ally nearly refuses to comply with any written response no resolution has been made. I was contacted by Ally following the original complaint and told all of my concerns were seen and would be fixed, however nothing has been fixed. We were able to find 1 area of issue that seems to be getting dealt with but only because I have MY financial institution of XXXX XXXX XXXX ( XXXX has been amazing in all of this ) helping me where they are able to. I am still having issues with getting Ally yo follow through. Desired Outcome/Settlement Desired Settlement : Correction to my credit reports. I am requesting that my Ally account and all of my credit reports be updated immediately to reflect the company 's ( Ally ) errors. I want all late fees removed I want my credit reports to indicate that Ally has failed to do their job correctly and that I have not been non-compliant and I am up to date and in full and on time with all of my payments. I want my XXXX payment to show in all areas I was in full and on time. Same with XXXX and XXXX and XXXX. I want days late to be fixed showing on time and in full on all of my reports with no indication of being late. I need the appropriate payment amounts to be applied to the proper billing dates. $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX Complaint Details Nature of Complaint : Billing or Collection Issues Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : None Provided Complaint Details ( cont. ) Product/Service : Vehicle XXXX XXXX XXXX XXXX # : None Provided Order # : None Provided Purchase Price : XXXX Payment : None Provided Check Disputed Amount : 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

2018-04-24

Port Jervis, NY

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

2018-04-24

Nyc, NY

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with the interest rate
Complaint: There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/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

2018-04-24

FL

Incorrect information on your report

Vehicle loan or lease: Lease

Account information incorrect
Complaint: I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.
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

2018-04-24

Between, GA

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

2018-04-23

Jersey City, NJ

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: On XX/XX/XXXX I went to XXXX XXXX as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry. 1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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

2018-04-22

Oxford, 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
Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my 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

2018-04-22

Burlington, NJ

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

2018-04-21

Chester, VA

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

Timely Response

2018-04-20

Atlantic Bch, 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: Credit Report Inquiry Made Without My Permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-20

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

2018-04-19

Escondido, CA

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

2018-04-19

Los Osos, CA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: I received an " IMPORTANT PRIVACY CHOICES '' from you, " ally '', sent to my address using my name. You are not affiliated with anybody with whom I do business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-19

Newnan, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: On XX/XX/2018, this debt for { 10,973 } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from 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