ALLY FINANCIAL INC

2017-11-14

Hinsdale, IL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
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

2017-11-14

Winnsboro, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

2017-11-13

Ehrhardt, SC

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

2017-11-12

Viola, KS

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 from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-12

Belle Haven, VA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Excessive calling one day after due date .Even called on XXXX morning at XXXX on 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

2017-11-12

Clinton Township, MI

Improper use of your report

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

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

2017-11-12

Clayton, 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

2017-11-12

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: There are about XXXX inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought 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

2017-11-11

Fort Wayne, IN

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 RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-11

GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-11

Jupiter, FL

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2017-11-10

VA

Incorrect information on your report

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

Account information incorrect
Complaint: I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-10

Clermont, FL

Incorrect information on your report

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

Account status incorrect
Complaint: On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX 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

2017-11-10

WV

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-10

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 monetary relief

Timely Response

2017-11-10

Roseville, CA

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-11-09

Indianapolis, IN

Improper use of your report

Checking or savings account: Other banking product or service

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

2017-11-09

Mabank, TX

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on 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

2017-11-09

Central Park, IL

Incorrect information on your report

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

Personal 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

2017-11-08

Carrigan, IL

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

2017-11-08

Shulerville, SC

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, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse. The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid. I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility. I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve. I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal. Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed! Thank you in advance for your time and diligence in 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

2017-11-08

Stone Mountain, 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

2017-11-07

Keyport, WA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: Narrative My complaint against ALLY BANK ( hereinafter Ally ) is very simple. The two pillars of personal and business interaction are : Due Diligence and Full Disclosure. In banking there is an added requirement : Fiduciary Responsibility. I believe that not only the actions of Ally in exercising undue domination over my fixed IRA CD deserves a preliminary investigation ; a written Ally response confirming that such control is a policy not published in disclosures, ( See Ally letter XXXX paragraph 3 ) ( Attachment 1A & B ) absolutely requires such investigation. The issues : I am required by the IRS to withdraw a yearly RMD ( Required Minimum Distribution ). Ive complied with this requirement every year from the time I reached 70 years. I had several IRA CDs at Ally as well as an online IRA Savings Account ( # XXXX ). The IRA Savings Account was the source of my RMD which I took in monthly installments. Until XX/XX/XXXX the program we set up was working just fine until we discovered that the FIXED IRA CD ( # XXXX ) had been shrinking beginning in XXXX XXXX. I can provide statements if needed, but it might be better to force Ally to prove the veracity of my assertions. On XXXX @ XXXX I called Ally and spoke with XXXX but no one could tell me why the FIXED IRA CD ( # XXXX ) was declining in monthly amounts equal to my RMD. Parenthetically, the RMD monthly amounts simultaneously stopped being deducted from the IRA Online Saving ( # XXXX ). One Ally representative went into the history of the accounts ( the IRA CD as well as the IRA Online Savings ) and could find no evidence of anyone redirecting the source of the RMD payments. This representative even went so far as to set up a case number ( XXXX ) for the Maintenance Dept. to research the issue. XXXX opined that this seems to be a systemic problem, a glitch. And she will research further. Let me digress for a moment as a long time collector for XXXX XXXX XXXX in XXXX, WA. I KNEW that among the top commandments we learned was that the notes in a file were to be so complete and so thorough as to allow any future review of the file to be as if the reviewer had written the notes themselves. Clearly Ally does not have a like system. Based on this I thought it best to follow up on the case number. On XXXX at XXXX I called and spoke with XXXX who revealed that it was Allys policy to take RMDs from instruments which had the lowest earning interest rate AND that I had not executed the Ally form which designates what account from which the RMDs are to be drawn. ( Ref : Attachments 2A & B ) I subsequently reviewed the Deposit Agreement as well as the Ally form and could find no reference to the policy or the place on the form for account designation!! On XXXX I sent a fax as well as a copy by U.S. mail ( Return signature requested ) ( Ref : Attachments A, B, C, & D ) advising Ally that despite a slight positive interest differential in favor of the IRA Online Savings Account ( # XXXX ) over the Fixed IRA CD ( # XXXX ) that they were to immediately stop exercising domination over funds which they did not own! Further, that the amounts taken from the Fixed IRA CD ( # XXXX ) were to be restored from funds in the IRA Online Savings account ( # XXXX ). I put this in writing even though I had been told by representative XXXX on XXXX that a reversal of the monies was not possible because THE IRA CD WAS A FIXED INSTRUMENT!! Narrative ( continued ) Page 2 At this point let me summarize : Ally has a policy which they keep to themselves ( Ref : Attachment 1 again the underscored ) to contumaciously invade a fixed IRA CD to provide the clients RMD without any authorization just so Ally can take care of IRS requirements instead of the OWNER of the funds. Well, thank you Mr. Helper! You can bet that if Ally errs in connection with the RMD it will be the CLIENT who will take the hit from the IRS. Finally, I spoke with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( where I and/or my husband have personal as well as trust accounts ) re the ability of withdrawing RMDs from an IRA FIXED CD. Both agreed that it could be done BUT solely on the initiative of the account owner. I believe that Ally has unlawfully arrogated unto itself the decision over which account is to be the source of the RMD funds. One can only guess what other secret so-called policies Ally is applying without the knowledge of the account holders. A preliminary investigation is clearly warranted to determine the scope of their domination AND if you deem it appropriate include the IRS because of the mishandling of my RMD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX XXXXXXXXXXXX
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

2017-11-07

Costa Mesa, CA

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

2017-11-07

Canton, MA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response