ALLY FINANCIAL INC
Consumer Complaints
There are over 6232 complaints on file for ALLY FINANCIAL INC. Dated between 2019-12-16 and 2012-03-09.
Complaints Page 74
2018-03-29
Fort Worth, TX
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Complaint: I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Cincinnati, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Houston, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: My car ( XXXX XXXX XXXX XXXX ) damaged during hurricane Harvey. My car insurance is with XXXX. XXXX appraised my vehicle at {$16000.00} at the time. I received the car loan from ALLY Financial. They paid Ally Financial {$16000.00} on XX/XX/XXXX. On XX/XX/XXXX my gap insurance called ALLY Financial on the remaining balance which was {$3500.00}. My Gap insurance paid ALLY Financial {$3500.00}. XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a bill from ALLY Financial of {$1300.00}. I called at XXXX and talked to customer service and ask why do I have a balance. Ally Financial informed me that they were charging me between XX/XX/XXXX and XX/XX/XXXX because my gap insurance took about three months to pay the remaining. I informed them it was paid in full regardless of how long it took my gap insurance to pay them. Maybe they should charge me late fees but they were requesting three months of full payments. I was paying about {$420.00} a month before Harvey. They told me that is how loans are and they gave me no help and keep hanging the phone on me when I tried to discuss this situation. I need help because it is unfair and that is why I'm reporting this because I do not want this on my credit report and other customers should not go through this ordeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Key Biscayne, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: In the month of XX/XX/2017 with reasons for the hurricane that afflicted Florida, I was unable to work, for that reason. Immediately I contacted ALLY Financial, in search of help from them, when the Governor of Florida asked all of them the institutions with which the residents of Florida had credit accounts, loans, etc. That at least they will grant to the borrowers, three ( 3 ) months free of payments as well as also that the interest will not be increased.
Bearing this in mind, I spoke with a man from ALLY and very cordially answered me that as they did not help me and he told me that he could not send me anything in writing, but that he was free of payments during the months of XXXX and XXXX and that the XXXX payment was to pay only {$220.00} of the {$390.00} I usually pay.
Then in the month of XXXX I started receiving calls demanding a back payment of {$170.00} and when I called to clarify that situation, they answered me at that time that they did not have to give three months as the Governor had requested, that they were two and nothing more.
To all the above, you can add, that for reasons of my age and health I have tried on many occasions to take into account my situation and help me in some way, to lower the interest of the loan, and have not accepted.
And this location comes from XX/XX/2017 to which we add fees for tardies until this month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Wesley Chapel, FL
Incorrect information on your report
Vehicle loan or lease: Loan
Account status incorrect
Complaint: In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Southern Pnes, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact be removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-29
Rockwell, NC
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number.
Ally is contacting others who are NOT related to the borrower.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-28
Lannon, WI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.
The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.
As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-28
Greenwood, WA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem with fees or penalties
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-28
Potomac Falls, VA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-28
Chicago, IL
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
2018-03-28
Auburn Hills, MI
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
2018-03-27
Patterson, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-27
Chicago, IL
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-27
De Soto, IA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: This has been over a year and the company will not contact me, when I call they hang up on me and will not provide any information I ask. I was told that the company is practicing unfair collections and phone calls, by my lawyer. The company took down my online profile so I was unable to pay my loan. I had to wait 6 months for my lawyer to get a response from the company 's account manger for my account information. In that time they reported my account as delinquent and turned it over to connections. I had nothing in writing and they would not provide what collections company I was suppose to pay. I am at a loss as to what I need to do now. I have made payments in the past three months totaling over {$1000.00} and nothing show on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-27
Marblehead, MA
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
2018-03-27
Brooklyn, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-27
Lincoln Park, MI
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
2018-03-27
N Haven, CT
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: I was paying my car loan monthly when I went out of the country for a few months. I continued paying while I was out of the country and the car was parked while I was away. One day I got an alert from XXXX XXXX telling me that a repossession had been added to my credit report. I contacted my loan provider asking why my car would be repossessed when I am paying and the rep said my car was towed for parking tickets and they repossessed the car from the tow yard. I explained that I was out of the country and wasn't even aware that my car had been towed. They told me I would have to pay this huge dollar amount to get the car back which included two fees that they said they paid to get the car. I told them I could be back in the US in about a week and by the time I had gotten back they had sold the car. So now I have no car and a repossession on my credit report. I want this negative reporting removed because I was never even allowed to rectify the situation and I paid my own note every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-27
Greenfield, WI
Managing an account
Checking or savings account: Other banking product or service
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 non-monetary relief
2018-03-26
Rochester, NY
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
2018-03-26
White House Station, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-26
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 non-monetary relief
2018-03-26
Quartzsite, AZ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX, and as part of my purchase contract, I purchased a GAP Insurance Policy from XXXX XXXX XXXX XXXX, which I was told would cover any deficit if my vehicle insurance did not pay off my auto loan after a loss. Having doubts about the payment date I was obligating to on my purchase contract, I requested a different payment date. I was informed by the Finance Manager at this dealership that it could easily be changed with whichever Lender picked up the contract, no problem at all. No mention was made of any negative impact that this would have on my loan and other contracts, and after having spent several hours completing this purchase at the dealership, I took my new car and went home.
I soon was advised that my contract had been financed by Ally Financial, and that my loan number was # XXXX. I immediately made arrangements for ACH payments. Several months later, I asked Ally to change my payment date, and they cheerfully accommodated my request. I had to pay a pro-rated payment to carry me over to the new payment date, and happily did so. No mention was made of any negative impact that this change would have on my GAP Insurance that was included in the purchase contract. I continued making payment via ACH, and never incurred a late fee.
On XX/XX/XXXX, I was in an accident in my XXXX, and the car was declared a total loss. As my insurance company did not pay off the entire balance, I filed a claim with the GAP Insurance provider, XXXX XXXX XXXX XXXX under my contract # XXXX. After many weeks of repeatedly faxing the same documents to XXXX XXXX XXXX XXXX that they requested in order to process my claim, XXXX XXXX XXXX finally sent ALLY a check in the amount of {$2000.00}, leaving an unpaid balance ( per XXXX XXXX XXXX XXXX ) of {$94.00}.
I was confused as to why the loan wasnt paid off in full, and the GAP Department explained to me that they pay based only on the original contract dates, and that any payment not made on the exact due date is considered LATE and that every payment, indeed, was considered by XXXX XXXX XXXX XXXX to have been made late. The pro-rated payment made to Ally when I requested a payment date, was considered by XXXX XXXX XXXX to have been a breach of my contract, and therefore they had adjusted the amount they would pay on my behalf, leaving a balance of {$94.00}. As far as I knew, I had never been late, and was shocked. Nobody, at any time during the sale or term and servicing of this contract, let me know that I was required to make every payment on this loan exactly on the original contract due date, and that any variation from that pattern would decrease the amount paid on any GAP claim.
This problem is further compounded by the fact that ALLY is now trying to collect about {$2000.00} from me to pay off the XXXX. I dont have any explanation as to how the amount increased from {$94.00} to {$2000.00}, and I requested arbitration to get this figured out.
I believe this falls under the UDAAP laws because : XXXX XXXX did not disclose that I would need to make payment on or before the specific original payment date in order not to be in violation of the GAP Insurance contract XXXX XXXX advised me that it was acceptable and normal practice to change the payment date with the vehicle finance company and again did not disclose this would cause a decrease in payment made against the GAP Insurance policy that XXXX XXXX sold to me.
XXXX XXXX XXXX XXXX took unfair advantage of my ignorance of their requirements, and that there was no way to comply with their terms without the loan payment requirements having been fully disclosed to me.
Ally Financial allowed me to make a change to my payment date without disclosing to me that this would further impact my ability to collect on a GAP Claim that was part of their financing.
Ally Financial failed to apply insurance payments to my loan effective on the date of loss ( both from XXXX Insurance and XXXX XXXX XXXX XXXX ) thereby inflating the payoff from {$94.00} to close to {$2000.00}.
Although all my payments were made in a timely manner, Ally Financial is now reporting me as delinquent on the inflated balance, and are dunning me for payments in the amount of {$420.00} ( which I can not afford to pay, as I had to purchase another used car after the XXXX was totaled ).
The biggest problem is that the terms of the financed GAP Insurance were not disclosed, and that the claim does not have to pay off the loan entirely if you did not meet these terms. Usually, a consumer is not required to make every payment on the exact due date, there is a grace period. And I had no idea that changing the due date would further impact the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-25
Gilbert, AZ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation