ALLY FINANCIAL INC

2018-01-17

Schaumburg, IL

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
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

2018-01-16

Lewisville, TX

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: I cosigned on my daughters call loan., He loan is financed with Ally Financial. She makes her monthly payments however she uses the 15 days grace period in order to stretch her money between pay checks. I am constantly harassed by calls from Ally financial throughout the day. We have told them repeatedly to only call if she falls 30 days late. I do n't want calls if she is in her 15 days grace period. They continue blowing up my phone day after day until the payment is made. Today XX/XX/XXXX I received 2 phone calls between XXXX XXXX and XXXX XXXX. I tried to tell the lady that called that she is using her 15 day grace perod. This woman talked over me time and time again until I got angry and told her she was making me mad as she talked over me. in the middle of me telling her to stop calling unless it was 30 days late she put me on hold Very rude and unprofessional. I can assure you my daughter will make her payments but I am tired of being harassed. They even call me on Sunday 's which I know is n't against the law but again I am tired of it. I think someone needs to look into how many times their dialer is calling customers as this seems like harassment to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-16

Arden Hills, MN

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

2018-01-16

Robertsdale, AL

Written notification about debt

Debt collection: Auto 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

2018-01-16

Dayton, OH

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 non-monetary relief

Timely Response

2018-01-16

Brooklyn, NY

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

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

Investigation took more than 30 days
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

2018-01-16

Ancora, NJ

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

2018-01-16

Magnolia, TX

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

2018-01-15

Seattle, WA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with fees or penalties
Complaint: 5+ years ago I opened a 5-year CD with Ally Bank . In XXXX, Ally automatically renewed by CD for 5 more years and did not give me advance notice that this was going to happen. Now they want an early withdrawal penalty equal to 150 days of interest, and want to deduct 105 days of it from the principal because it 's only been ~45 days since they auto-renewed it. This amounts to $ XXXX. I called them on XX/XX/XXXX telling them I did n't know they were going to auto-renew it and that I did not want that to happen. They told me that on XX/XX/XXXX they sent me a notice telling me this would happen. I logged into my account ( on my XXXX phone through the Ally Bank app like I typically do ) and looked through both the secure messages section and statements section -- there 's nothing from XX/XX/XXXX. The phone agent told me I should have gotten an email telling me that I had received a notice, which upon searching my email I found ( it probably got filtered to the " Promotions '' section of my XXXX or something ). The email is as follows : Subject : " You have new correspondence in online banking '' Body : " To view your correspondence log in at ally.com and select More. Then choose Notices. '' So I went back to the app and there is no " More '' button or " Notices '' section. I then opened the web browser on my device and signed in to ally.com - here, there is a " More '' section, but it does not have a " Notices '' section there, nor is there a Notices section anywhere on the site. The phone agent then explained that I needed to access it from a laptop or somehow trick the website to give me the desktop version of the site by configuring my browser to pretend it was a laptop computer. Long story short -- both the mobile version and the website when accessed from a mobile device do not show this " correspondence ''. The statements that I *can* access from the mobile app and website do show my CD, but they also do n't mention that the CD was going to auto-renew. I also got an email when the CD matured as follows -- it made it sound like the CD was not going to auto-renew and that renewing was optional ( it only says that the loyalty bonus was " automatic '' ) : Subject : " Notice : Your Ally Bank CD is maturing '' Body : " Your CD is maturing soon. Here 's what you should know. Dear XXXX, You recently received a CD maturity notice that provided important information about at least one of your CDs. If you renew your CD at maturity into any CD term, we 'll automatically add a loyalty reward of 0.05 % to your new rate. Your Ally CD that is eligible to receive a rate increase : CD Account Number CD Type CD Term Maturity Date XXXX HYCD 60 months XXXX XXXX, 2017 Here 's what you need to know : Your 0.05 % rate increase will be added to your new CD 's rate after the Ten Day Best Rate Guarantee period to ensure you maximize your earnings with us. This means if our rate goes up for your term and balance tier within ten days of opening your account, you 'll get the better rate. The loyalty reward at renewal is automatic, you do n't have to do a thing. Any money you add at renewal receives the increase too. Plus, you can renew into any CD term we offer. You can manage your renewal online by logging into your Ally Bank account and selecting Manage CDs from the Main Menu Menu, or just give us a call. Thank you for your continued loyalty with Ally Bank. '' Besides not being aware that the CD was going to auto renew, Ally renewed it into a CD with a much higher early withdrawal penalty. The original CD had a 60 day penalty, but the new one had a 150 day penalty -- 250 % more -- and because the rate they renewed me into was 75 % higher, the early withdrawal penalty is $ 1100+ even though the early withdrawal penalty under my old CD 's terms was ~ {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-15

OH

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-15

Oregon City, OR

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

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

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-14

NJ

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Complaint: First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-14

Detroit, MI

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-13

Las Vegas, NV

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

2018-01-13

Fort Lauderdale, FL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Complaint: I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-13

Burbank, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-12

Csi, ID

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff. Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.
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

2018-01-12

Missouri City, TX

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

2018-01-12

Jacksonville, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-12

Charlotte, NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-11

San Diego, CA

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

2018-01-11

Palos Park, IL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-11

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

2018-01-11

Lowell, MA

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

Timely Response

2018-01-10

Country Club Hills, MO

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