ALLY FINANCIAL INC

2018-01-10

Argo, IL

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

2018-01-10

Crystal, MN

Incorrect information on your report

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

Public record information inaccurate
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

San Diego, CA

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

2018-01-10

Southern Pnes, NC

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 called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.
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

Oliphant Furnace, PA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
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

Bloomington, UT

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 monetary relief

Timely Response

2018-01-09

Seneca, SC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-09

Fishkill, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-09

Coal Run, PA

Managing an account

Checking or savings account: Savings 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

Timely Response

2018-01-09

Rockwell, NC

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-08

Quartzsite, AZ

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into XX/XX/XXXX.
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

2018-01-08

PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I contacted Ally financial at XXXX the beginning of XX/XX/XXXX, stating I was in the hospital for 3 almost 4 months and that I was waiting on my XXXX XXXX XXXX from work and that I also was going to get a loan from my 401k to pay my car payment to catch up what was past due. They understood and I was in constant contact with them. I called them XX/XX/XXXX stated I received a check from work and that I was going to XXXX XXXX per their request and was going to make a payment of {$2500.00} but I did not know the fee to do so was {$9.00} so I made {$2400.00} payment. I never done XXXX XXXX before so, I was very nervous about doing the payments this way. I made the payment and was given a track # XXXX and the clerk said it was sent. I called Ally Financial on XX/XX/XXXX and asked how much was left that I needed to pay on the car to be up to date on my payments. They said they sent the money that I sent XX/XX/XXXX back because it was not the correct amount and so, I needed {$4100.00} now to be up to date on my payments. They also said, that they tried contacting me when I called them stating the amount I was making was n't going to be enough. I got off the phone with them contacted XXXX XXXX at XXXX and the operator stated that Ally Financial indeed did receive the money. The operator said she would resend the money if that was the case and that she would make a note about the issue and she got clearance from her supervisor. Well, I contacted Ally back and told them what XXXX XXXX had stated and the person from Ally stated they do not have the money. I said, well XXXX XXXX said they will resend it and that you should receive the money in 24-48hrs. I also, told Ally XXXX XXXX said if they are okay taking 2 separate payments they would do 2 separate payments. Ally agreed to take separates payments. I said I am going to send the rest that you said is needed so it will get to you at the same time you get the other payment. I sent {$1600.00} through XXXX XXXX tracking # XXXX and I thought I was caught up on the payments. XXXX XXXX. I woke up to my car being gone. I thought it was stolen and I was going to call the cops but something told me car Ally first and ask if they took the car and I did and they said yes. I was upset because all my belongings are in the car. My grandson 's carseat, my work I.D., my GPS everything. I had no clue they were going to repossess my car. I did not get a letter nothing. The repo company did not knock on my door, nothing. Ally gave me a number to contact the repo company XXXX to try to get my personal belongings back. I called them and they took my name and number for a XXXX to contact me. XXXX contacted me stated I have to make a appointment to get my belongings. I made appointment ( but unfortunately have to try to find a ride ). The Repo place is an hour and half away.XXXX XXXX XXXX , XXXX Pa XXXX phone number XXXX. I contacted XXXX XXXX again and requested a refund of both transactions. I feel this was a wrongful repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-08

Jacksonville, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: NEW AND DIFFERENT COMPLAINT AGAINST ALLY FINANCIAL INC . WHERE ALLY FINANCIAL INC., HAS WILLFULLY REPORTING FRAUDULENT INFORMATION TO THE XXXX CREDIT REPORTING AGENCY TO BE RECORDED ON MY CREDIT BUREAU FILE. Per the attached PDF file, is a copy of my credit bureau file as reported by XXXX Credit Report Bureau. Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby of 81 months payment history, states NO derogatory for the last 81 month payment history. Months reviewed to be 41 months. Exhibit ( One ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX. Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months. Exhibit ( Two ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX. Ally Financial on XX/XX/XXXX reported CHARGE OFF and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 43 months. NO reported delinquencies from onset of lease to end of lease in XX/XX/XXXX after 43 month review by ALLY Financial. Exhibit ( Three ). Term of Lease, 36 months XX/XX/XXXX ending XX/XX/XXXX, the vehicle was returned to the dealer on XX/XX/XXXX after being advised by ALLY Financial on instructions to prepare to return vehicle. Knowing for the forthcoming XXXX Holidays that I would be out of town, I chose to return vehicle on XX/XX/XXXX. My final lease payment was made. In good standing as reported. My final lease payment was recorded by ALLY Financial on XX/XX/XXXX and the vehicle was turned in the following day. ALLY financial has reported to my credit bureau agency file, that I was in good standing. On XX/XX/XXXX Ally Financial reported a fraudulent CHARGE OFF and reported date of first delinquency XX/XX/XXXX in the amount of {$3100.00} and Date Major Delinquency XX/XX/XXXX Whereas, Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed of 41 months and Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months. If the DEBT WAS VALID, ALLY Financial would have violated and to failed comply with the FEDERAL TRUTH AND LENDING Laws and delinquency aging of accounts before Charge off. XX/XX/XXXX Delinquency : 1 29 days, XX/XX/XXXX 30 59 days, XX/XX/XXXX 60 89 days, XX/XX/XXXX 90 119 days, XX/XX/XXXX 120-179 days, XX/XX/XXXX 180 days 80 days delinquent is required to declare my alleged account as being charged-off. Not XX/XX/XXXX The Truth in Lending Act ( TILA ) protects a consumer against inaccurate and unfair credit billing and credit card practices. Your credit report affects a consumers ability to get a loan as well as the interest rate you will be required to pay. Congress has passed credit reporting legislation to give a consumer access to their credit information and to protect a consumer from unfair, fraudulent, or deceptive credit practices Ally Financial Inc., is willfully reporting fraudulent information to XXXX Credit Reporting Agency, XXXX Credit Bureau and XXXX Credit Bureau reported to my credit bureau files as the balance that was charged off. I also filed complaints to the CFPB under # s XXXX and XXXX, as ALLY failed to prove the balance owed. Ally Financial violated their own terms and conditions of the lease agreement under Section 8 for billings. I was never billed under Section 8 for any excessive mileage charges when lease was terminated in XX/XX/XXXX, as prescribed in section of the lease agreement. Their charge off amount is Ambiguous and Fraudulent. Ally Financial Inc., is in violation of their own lease agreement and where I have complied with their terms and agreement of the lease agreement. I paid every month on the lease agreement for 36 months. I never have been billed under Section 8 as required under the lease agreement for excess mileage on an annual basis. Ally Financial Inc., must report the true facts of my payment history and prove the alleged debt under section 8 of the lease agreement as no such billings as in penalties for excess mileage as required on a annual basis that each year where the mileage excess 12, 000 miles. There is no valid charge off under the terms and conditions of the lease agreement and must be sanctioned for such consumer protection violations as I never have been billed under Section 8 as required under the lease agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-07

Lake City, 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

2018-01-07

Hampton, VA

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 purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from 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

2018-01-07

Amarillo, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with 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

2018-01-07

Patterson, MD

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Unable to receive car title or other problem after the loan is paid off
Complaint: the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it 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

2018-01-06

Tulsa, OK

Incorrect information on your report

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

Account information incorrect
Complaint: I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-06

Barry University, FL

Incorrect information on your report

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

Account information incorrect
Complaint: OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) 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

2018-01-05

AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-05

TX

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-05

N Falmouth, MA

Managing an account

Checking or savings account: Other banking product or service

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

2018-01-05

Ashwood, TX

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
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

2018-01-04

Burlingame, CA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-04

Scottsdale, AZ

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. Thank you for your consideration.
Company Response: Closed with explanation

Timely Response