ALLY FINANCIAL INC

2018-01-23

Staten Island, NY

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

2018-01-22

Bellaire, TX

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-22

Holiday Hills, 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

2018-01-22

Clarkesville, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-22

Charlotte, NC

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-22

New Orleans, LA

Improper use of your report

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

Reporting company used your report improperly
Complaint: XXXX XXXX,2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through ALLY FINANCIAL XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-22

AL

Incorrect information on your report

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

Personal information incorrect
Complaint: incorrect information reported XXXX XXXX 2017 by 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

2018-01-22

PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is 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

2018-01-21

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

Timely Response

2018-01-20

Patterson, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-19

Forest Oaks, NC

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

2018-01-19

Riverdale, 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

2018-01-19

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2018-01-19

Louisville, KY

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

Timely Response

2018-01-19

Keego Harbor, MI

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

2018-01-18

MO

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: Previously filed matter with XXXX. XXXX sold faulty product to dealership and ultimately fell on consumer. Matter was shared with lender, yet they disregarded matter entirely. Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. Mater was brought before lender through XXXX vs XXXX XXXX XXXX. Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. XXXX negligence, as well as lender disregard placed undue burden on consumer. Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. Vehicle shows noted signs of defect while driving. Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-18

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: Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from 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

2018-01-18

Stafford, VA

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: In XXXX 2017, I purchased a new vehicle which required a loan balance payoff from the dealership to the current finance company, Ally, on the vehicle I was trading in. When obtaining the payoff amount via phone, the representative was made aware of the new purchase, and it was agreed, of course, if the deal did not go through to completion, regular loan payments would resume ( there are no late payments recorded during my Ally auto loan ). The only correspondence received from Ally after that phone call was the letter stating the payoff of the loan was complete. When applying for a mortgage in XXXX, it was noted that the last payment on the Ally auto loan was recorded as late. I contacted the finance company, I believe on XXXX XXXX, to inquire about it. At that time I was told the payoff from the dealership came later than the original 10 day turnaround, which made the last payment late. At no time did I receive notification of the late process by either the new car dealership or from Ally. I then asked if Ally could remove the late payment, as they were notified of the payoff yet did not inform me of any tardiness in payment, especially with my good payment history. Additionally, they were aware a payoff was in route. I was told the request would be escalated to their credit review department. The reference number for that call is XXXX. I did not receive any written notification of their decision. When I started the underwriting process of my mortgage in XXXX XXXX, the late payment was still noted on my credit report. I made multiple attempts via phone to Ally to obtain a resolution. Each time I received the same answer of we will escalate it to the credit department. When I asked for written verification of the XXXX decision, no agent could find any such notifications on my account. During my first call on XXXX XXXX, I was told to expect a faxed letter in 48 hours ( call reference number XXXX ). When the letter did not come by XXXX XXXX, I called again. That was when I was told that not only could the reference number not be found, but that the information given to me on the XXXX was incorrect, as any letters could only be mailed ( in 3 to 5 business days ). At that point, I asked to speak with a supervisor with a promised call back that day ( call reference number XXXX ). I did not receive a returned phone call. Since the returned call did not come as expected, I called yet again on the next business day, XXXX XXXX. This is when I was told a supervisor phone call request was placed on my account, but would take 48 hours from the time of request ( no reference number required as no new action was needed per the agent ). While the agent had no new or different news to give me, that day I received a fax of a Credit Reference Letter ( also dated XXXX XXXX ) which indeed showed the last payment recorded as late. I decided to wait for my call from a supervisor. On XXXX XXXX, I received a faxed cover sheet ( just the cover ) with no other information attached. I attempted to contact the listed agents number as provided on the cover ; however the telephone extension was only 5 digits, and it required 7. ( Apparently Ally updated the phone system but did not update the listed contact information yet ). Since there was also an email address, I used that instead. While waiting for a reply, the Ally supervisor finally called. It was only then that I was told my original request ( in XXXX ) was denied, and the late payment removal would not be reconsidered. Additionally, he accused me of having this information already, which he states another agent told me verbally as evidenced by notations in their system, and he admitted Ally did not have any letters on file notifying me of the late payment while waiting for the payoff from the dealership. On that same day, while I did not receive a reply via email from the email I drafted, I did receive another fax. It was a letter dated XXXX XXXX, which was the result of the investigation in which my original late payment request was denied. The bottom line is I am requesting Ally remove the negative remark of a late last payment ( XXXX XXXX ) of my auto loan account with them. Not only was the company aware of the pending payoff from the dealership, but it did not alert me to the late payment status by writing, and instead chose to place a derogatory status on my credit report. Additionally, once Ally was notified of the error, it did not follow through by ease of customer service or proper investigation and reporting. Thank you for your assistance in the positive resolution of this matter.
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

2018-01-18

N Plainfield, NJ

Lost or stolen money order

Money transfer, virtual currency, or money service: Money order

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

2018-01-17

Chicago, IL

Incorrect information on your report

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

Account status incorrect
Complaint: I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-17

Mem, TN

Improper use of your report

Checking or savings account: Other banking product or service

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-17

Seven Lakes, NC

Incorrect information on your report

Vehicle loan or lease: Loan

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

2018-01-17

Arden, NV

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-17

Elk Grove Village, IL

Managing an account

Checking or savings account: Savings account

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

Timely Response

2018-01-17

Statesboro, GA

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