ALLY FINANCIAL INC

2018-02-09

East Troy, WI

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

2018-02-08

Lowell, AR

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-08

Simi Valley, CA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-08

Macon, 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

2018-02-08

Beaux Arts, WA

Managing an account

Checking or savings account: Other banking product or service

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

2018-02-08

Fort Worth, TX

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before 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

2018-02-08

Delray Beach, FL

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: Closed 2012 - still reporting ... ... Delete acct. Acct in good standing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-08

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

Timely Response

2018-02-08

Canton, OH

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

2018-02-08

N Brunswick, NJ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
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

2018-02-07

Miami, FL

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

2018-02-07

Davie, 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

2018-02-07

Boston, MA

Incorrect information on your report

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

Account information incorrect
Complaint: I wrote to Ally about late payments on my auto account, asking them to verify and show proof in writing of my signature to verify my late payments. I gave them several opportunities in the past year to show me this information even though the FCRA gives them 30 days frIm the time of my first request sent by certified mail to show the date. They have never shown me validation of this debt, just internal reports showing that they have in their records that I was allegedly late with 7 of my payments out of the 84 that I made. They have no need or no use to continue to report this illegal information since they didnt verify my signature stating my obligation to repay the debt in the 30 day period previously mentioned. This is a closed account paid in full. They are not acting in good faith to remove these illegal entries of my allegedly being late with payments. I always maintained contact with Ally throughout the course of the loan and paid back every cent of my obligation. Please direct this company to remove these incidents of 30 and 60 day lates that only cause harm to my rebuilding credit. They are on there illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-07

Houston, TX

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
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

2018-02-07

NJ

Problem with customer service

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

Complaint: Ally Financial had agreed to take off all 5 late fee 's ... On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my 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

2018-02-07

Cheverly, 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
Complaint: I have several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-06

Oxford, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-06

NJ

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: CFPB Complaint submitted XXXX Gentlemen, A brief description of our case is about unknowingly .entering into a fraudulent business agreement with a private financial consultant firm, XXXX XXXX XXXX XXXX XXXX XXXX . Later during the business process suspicion turned into reality when specific and or nonperformance of contract, & the preparation of the Family Office, the Investments, wire transfer fraud, unauthorized credit cards purchases, then finally the theft of two vehicles, computer and office equipment, Security Instruments, and other personal property. ( Which have been documented with the XXXX XXXX Police dept. and the XXXX County Prosecutors Office ) For the past year we, have been corresponding with the two finance companies since XX/XX/XXXX, with XXXX XXXX , & Ally Financial, the finance companies, and we're paying minimum on approx. 22 credit cards.. Their inaction has caused great hardship to me and my family. Has caused undo emotional stress and a horrible financial burden and mental duress on me and my whole family. We still are continuing as recently as XX/XX/XXXX relentlessly with letters to the two finance companies to the with XXXX XXXX, & Ally the financial companies involved to reopen the accounts, restoring the credit limits, removing the fraud charges, removing the erroneous derogatory credit notes on my and my wife 's credit reports. But to no avail the erroneous derogatory information is still reported on the credit reports and keeping our FICO scores down, even though we've been completing all of their forms, letters of dispute and submitting to them all the records they requested about the incident .However theyre steadfast with their low credit score ( s ) that they keep reporting every single month since the fall of XX/XX/XXXX. To date. The Financial Co.s acting in bad faith are XXXX XXXX , and Ally Financial, to facilitate the theft claim. Although since the fall of XX/XX/XXXX, we have hired a credit repair expert XXXX XXXX to help us mitigate the damage ( that snow balled lack of participation ) the finance companies and the insurance company they have had no positive effect on our credit score and reports. After spending over $ 3,000.Dollars in fees. The FICO scores for XXXX and XXXX were XXXX, & XXXX, prior to the fraud to XXXX & XXXX today. Summary of issues : 1 ) Theft of 2 SUV vehicles XXXX claim denied, XXXX and Ally send notice of repossession sent to credit bureaus XXXX action contributed to low FICO scores. Low FICO scores snowball to credit cards and credit lines reduced or canceled, interest rates go up on balances. 2 ) Wire Fraud {$50000.00}. 3 ) Credit Card Fraud, {$230000.00} certain credit card companies denied fraud charges 4 ) Identity Thefts 5 ) Security Instruments Fraud and theft 6 ) Computer and Office Equipment 7 ) Credit card companies closing accounts 8 ) Credit card companies denied fraud charges 9 ) Credit card companies lowering or removing available credit limits Low scores snowball to credit cards. lines on several credit cards, Thus changing the balance to credit limit. Causing credit cards closures and drastically reducing available credit and raising the interest rate on the balance due. ( Draconian Banking Penalties on consumer loans ) 10 ) The XXXX XXXX , & Ally Financial, are steadfast in maintaining their derogatory postings on the three national credit reports. action contributed to low FICO scores. Low FICO scores snowball to credit cards 11 ) The erroneous status of the two finance companies is preventing me and my wife from obtaining necessary financing, causing a Hardship on me and my family. ( XXXX denied claim contributed to the low FICO score )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-06

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

2018-02-06

West Covina, 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

2018-02-06

Bronx, NY

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

2018-02-06

Chalmette, LA

Improper use of your report

Vehicle loan or lease: Loan

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

2018-02-06

Tualatin, OR

Managing an account

Checking or savings account: Savings account

Banking errors
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

2018-02-06

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-06

Canandaigua, NY

Communication tactics

Debt collection: Auto debt

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