ALLY FINANCIAL INC

2018-01-04

Occoquan, VA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't close your account
Complaint: XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 1. My sons name on his CD ( minor ) was spelled incorrectly. 2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.
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

LA

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE 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

2018-01-04

MA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable. Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.
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

2018-01-04

FL

Improper use of your report

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

Received unsolicited financial product or insurance offers after opting out
Complaint: In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX 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

2018-01-04

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 DID NOT AUTHORIZE THIS INQUIRY
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

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
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

2018-01-03

Patterson, MD

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. Thank you for your consideration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-03

OH

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.
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

2018-01-03

Coalinga, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I purchased a XXXX XXXX XXXX with the loan company ally financial in 2014. Not soon after I got XXXX and XXXX XXXX in the XXXX XXXX XXXX as a XXXX XXXX. I lost my job and had no way of paying it back so they repossessed it and sold it again and left me with a bill of {$14000.00}!!! When I bought the car it was only valued at about {$20000.00}!!! I feel they took advantage of a XXXX man that had a family to feed and now are trying to destroy my life so I cant even get a cheap car financed now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-03

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 monetary relief

Timely Response

2018-01-03

N San Juan, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available to me.
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

2018-01-03

Farmer Market, CA

Fraud or scam

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

2018-01-03

Kansas City, MO

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

2018-01-03

Tuscaloosa, AL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-03

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

Timely Response

2018-01-03

FL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Complaint: I thought my CD 's were listed in maturity order on the bank 's website. Based on that, on XX/XX/XXXX I instructed bank to take action ( done on internet ). 15 minutes later I discovered the CD 's were not listed in that order, so I IMMEDIATELY called to void those instructions. I was advised ( on XX/XX/XXXX - same day ) there was a 25 minute wait to speak to someone. I waited 30 minutes and the recording still said there was a 30 minute wait. I tried to call again about 2 hours later but had the same results ( I had waited 25 minutes ). So I attempted to use the " chat '' feature on the website to reach someone - but a note popped up saying that the ''chat '' feature was not available. So I sent them an e-mail ( do not have copy of this ) - Received a receipt of my e-mail from the bank on XX/XX/XXXX, which basically said they received my e-mail and would reply within 24 hours. On XX/XX/XXXX I went through a similar procedure- knowing that I had to act before XX/XX/XXXX to get the action I wanted. This time themessage said that the wait was 65 minutes. I again sent an e-mail using their website to communicate. I also called again on XX/XX/XXXX at XXXX on XX/XX/XXXX ( they claim they are open XX/XX/XXXX ) with same wait time ... so I e-mailed them again. On XX/XX/XXXX, I called at XXXX XXXX and again at XXXX XXXX with the same results. Finally reached them on XX/XX/XXXX. spoke to XXXX XXXX. She claimed they had call center go down. She ( and subsequently a supervisor, XXXX XXXX, refused to take any action on my behalf because the time to get the action I wanted had expired. I told them that it was their fault I could not reach them in time. But they refused to do anything to help me. I asked for the phone number of their executive office and they refused to give that to me - only a PO Box to write to. My complaint is that where a bank is only accessible on the internet there must be a manner for customers to reach them on an emergency basis. If I were desperately in need of withdrawing money, I would have no way to do it. Such a situation is unconscionable and whatever laws, rules or regulagtions exist must be amended to protect depositors. By electing to do business solely on the internet HAS to make them have a manner of reaching someone immediately. In addition, depositors should not be penalized by the failure of the bank 's system and their unwillingness to compensate for problems they al ; one create. The bank should have to prolong offers for the length of depositors ' inability to reach someone and act on bank offers. The net result is that I lost at least .45 % on my funds for 12 months. I want the bank to make good on the rates they offered between XX/XX/XXXX and XX/XX/XXXX. I want my CD # XXXXterminated and the balance, less the penalty put into their one year CD at 2 %. I want them to establish an emergency phone number to be used when their main numb er is swamped or I want them to be responsible to immediately switch a sufficient number of people to their other call centers so this can not happen. They chose to opeerate only on line so they must protect against these situations.
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

2018-01-03

Antioch, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower 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

2018-01-02

Arlington, 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 have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-02

Managing the loan or lease

Vehicle loan or lease: Lease

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

2018-01-02

Sebring, FL

Communication tactics

Debt collection: Auto debt

Used obscene, profane, or other abusive language
Complaint: At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-31

Shreveport, LA

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

2017-12-31

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-31

Boloxi, MS

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-30

Oxford, 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
Complaint: On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-29

Sarasota, FL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: When I called Ally, the company holding my CD, I was interrogated to establish my identity. But the questions varied from the usual. After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX" something or other. When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees. We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account. I was told no. UnlessI gave them my number they would not respond in any manner. Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious. Especially since I had become acquainted with Allyonly through their primary business: aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.
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