ALLY FINANCIAL INC

2018-02-28

Ewa Beach, HI

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

Timely Response

2018-02-28

NV

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Mem, TN

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 non-monetary relief

Timely Response

2018-02-28

AZ

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: On XX/XX/XXXX I purchased a brand new XXXX XXXX XXXX from XXXX XXXX here in XXXX Arizona. The financing was supposedly through XXXX XXXX or XXXX XXXX. On XX/XX/XXXX XXXX XXXX calls me down to disclose XXXX XXXX had denied my loan as well as XXXX XXXX and XXXX XXXX XXXX XXXX. Any who, XXXX finally end up with Ally Financial On XX/XX/XXXX as my financer. On XX/XX/XXXX I paid {$500.00} to cover first month payment so I assumed that {$500.00} would now transfer to Ally Since thats where I got the loan. My first actual payment was due on XX/XX/XXXX. I had already set up auto pay with ALLY on XX/XX/XXXX Once XX/XX/XXXX come I receive email confirmation that my full payment of {$500.00} has been received and paid. Later, on XX/XX/XXXX I receive harassing phone calls from Ally Stating I still owe my {$500.00}. Ally also threatens me with repo. I had explained that I set up auto pay and have already made payment on the XXXX as well as I have the confirmation to prove it. They stated that, that email means my payment is processing and did not go through. They also try to get me to make my payment of XXXX again over the phone with a debit card that charges another {$8.00} fee to run my card. All they want is money. I did NOT receive any email, confirmation, or notification that my payment was denied, declined, or did NOT go through. I only have confirmation payment went through. So then on XX/XX/XXXX I make yet another payment for {$500.00} and the email confirmation process is the exact same as my first payment made on the XXXX. So if the first email confirmation means Payment processing ( which is false because it does not say that ) well how come I didnt receive other emails when the Payment Clears. When I ask these questions the representatives they sit in silence. There are no answers. So at this point an time I have paid Over {$1500.00} to this company and my screenshot from ALLY shows that only 1 payment of {$500.00} has been received and of that {$500.00}, {$440.00} was taken out Ally Finance charges and only {$59.00} had been applied to the principle of my loan. Still have no answers from them on where my other {$1000.00} went and I have receipts/confirmation of them. At this point and time I start to do more research and I find that they reported to the credit bureaus that I opened my account on XX/XX/XXXX. That is false it would be XX/XX/XXXX. I also see they didnt do an initial pull on my credit to qualify me for this loan according to XXXX. I believe they are attempting to charge me interest back to that date but not sure. I also never signed or agreed to Allys Privacy policy as they share/sell my information to affiliates and NON AFFILIATES. They stated I have the option to opt out I never signed, stated, or agreed to be opted in To begin with. Since this loan I now receive random phone calls from unknown numbers and robo calls. Also their customer service is horrible and I found out they are located in the XXXX as they barley speak good English. This is a conflict of business due to the fact they cant understand me and I have a hard time understanding them. Also this company only has emails, phone numbers, and P.O boxes. Why doesnt this XXXX XXXX XXXX have any physical locations and operate out of the United States? There is no transparency and this makes sense because they are taking peoples money and cant be found anywhere. Also to find out I have a very low credit score and this bank never verified my income or occupation they just gave me the loan. I see they are being investigated for auto loan fraud and credit reporting fraud Also they showed and stated what the APR rate for this loan was and in fine print is talks about how the APR is applied but nothing about the interest rate. I forgot to mention that on one of my 6 phone calls I have made to ALLY since XX/XX/XXXX I demanded to speak with a manager and they kept passing me down the line to other customer service reps and then finally to the consumer relations department. Never got me a manager. Finally the man by the name of XXXX in their consumer relations department set up a call back for a supervisor to call me and stated it would take 24-48 hours. To this day I never received a call. I then called on XX/XX/XXXX asking why I never received that call and ALLY stated THEY DID NOT HAVE MY PHONE NUMBER. This company gave me an auto loan and stated they dont have my phone number, as well they did not verify my income or occupation. I feel Im being targeted based on my poor credit and they are falsifying documents to make me pay more money. I went back to XXXX XXXX Where they set me up with this company and they dont care to help me at all. There are so many questions and nothing is being done. I am clearly part of fraud and as I look more online every customer with ALLY experiences the exact same problem. How many rules and laws can this company violate before something is done about it? Please help I have no other resources or money to go about this company on my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

WA

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 have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Gastonia, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.
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

2018-02-27

Euclid, OH

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
Complaint: I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

CA

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: This is the letter we just mailed to ALLY Financial. As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

Lk Buena Vis, FL

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

Key Biscayne, 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: There are many Hard Inquiries in my credit report that I am not familiar with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

Beaumont, CA

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

Timely Response

2018-02-26

Calumet City, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-26

Shulerville, SC

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt 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

2018-02-26

Manhattan, NY

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

Timely Response

2018-02-26

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. I NEVER had an account ALLY FINANCIAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-26

PA

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 recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful 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

2018-02-26

IL

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
Complaint: My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX - XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-26

LA

Incorrect information on your report

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

Account status incorrect
Complaint: I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-26

Las Vegas, NV

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

2018-02-24

Ft Lauderdale, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-24

Homestead, FL

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: Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. 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 are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-23

Burke, SD

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

2018-02-23

Falcon Heights, MN

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

2018-02-23

Lannon, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-23

Phenix City, AL

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