ALLY FINANCIAL INC

2017-10-18

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

Timely Response

2017-10-17

SC

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-17

Plattekill, 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

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

2017-10-17

Syringa, VA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-16

Council, NC

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: I opened a checking account with Ally Bank in lateXX/XX/XXXX. But instead the Ally Customer Service representative whom took my initial call on the phone opened a checking and a saving account. After I made my initial deposit I received a debit card and checks. I never agreed to opening a savings account. Everything I thought was deposited in my checking account has been put in this savings account set up by the Ally Customer Service representative that took my initial phone call. My job ask that I send in a direct deposit slip from my bank. I went to my Ally Bank online account for this information and saw that I had a checking and a savings account. The saving account had my first deposit and the checking account had a zero balance. I immediately contacted Ally Bank by phone to question as to how and why I had a savings account. The explanation was unacceptable due to the fact I never agreed to this and I also asked Ally Bank to show me proof of my agreement to a savings such they did with the checking account. When the Customer Service representative stated there was no such document I asked that I speak to a supervisor. After I spoke with the supervisor he assured me this would be corrected immediately and also gave me a checking account # to put on the direct deposit slip that I was to send to my job. A week later, my job called me stating the direct deposit information could not go through. I called Ally Bank, the customer service representative stated that I put my checking account # in and the utilized my saving account routing #. I explained to her that I do not have a saving account and that this was supposed to be taken care of last week. Also, asked this customer service representative were there any notes placed in their system regarding me speaking to a supervisor. She stated yes that I had just closed out a checking account and that my savings account was the only account I had opened. She stated she would close out the savings account and transfer all funds to a checking account. I stated I did not and should not have a savings account to close out. She stated if I do not agree to closing the savings, I would have a new checking account and a savings account. I asked to speak to a supervisor. This supervisor contradicted the customer service representative by stating there were notices in this account that I was transferring from account for some time from my savings to my checking account. I told him I did not or should not have a savings account and that this was effecting me mentally as well as financially. I sent my job the new information that was given however two weeks later when I went online to see my checking account balance {$0.00} as well as an open savings account with transfer activity. I called Ally again immediately I asked to speak to a supervisor. He profusely apologized and stated the account was fixed but it has not been posted yet. Last TuesdayXX/XX/XXXX I sent Ally Bank a hand mailed check and my job posted my funds on XX/XX/XXXX. Today,XX/XX/XXXX they both have yet to post however the customer service representative stated to my money is there and the screen showing the money was not in my account disappeared.
Company Response: Closed with explanation

Timely Response

2017-10-16

N Brunswick, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
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

2017-10-16

Houston, TX

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

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

Their investigation did not fix an error on your 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

2017-10-16

PA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-15

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
Complaint: XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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

2017-10-15

Hoard, TX

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: I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-14

AR

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-13

Tarzana, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them 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

2017-10-13

Oxford, GA

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter 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

2017-10-13

Tampa Palms, FL

Opening an account

Checking or savings account: Other banking product or service

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 explanation

Timely Response

2017-10-13

San Antonio, TX

Opening an account

Checking or savings account: Savings account

Unable to open an account
Complaint: Hi, I recently tried to open a Savings account for my mother with Ally Bank. During the application, I input her SSN and other information. I answered some questions pertaining to her identity. At the end of the application, I was told that her account was under review and we would get a call back in a few days. On XX/XX/XXXX I got a call saying that Ally requested a copy of her drivers license to verify her identity. I then told them that her address is slightly different than the one listed on her DL. They then told me that was fine, but I would have to resubmit another application with the matching DL information. I did then, input her SSN, and answered all the questions again. They also gave me the fax number to submit her DL to just in case they need it for the next application. I submitted the new application and faxed in her DL on XX/XX/XXXX. On XX/XX/XXXX, I received an email at XXXXXXXX XXXX stating that 'we have been trying to reach you but have been unsuccessful. ' It goes on to say to please reach out to us regarding reference number XXXX. The email came from 'XXXX at Customer Service '. As soon as I saw the email, I contacted Ally bank. I first spoke to a representative, who told me 'I do n't know because that is n't my department ' so I then asked to be transferred to that department. I was transferred to XXXX XXXX, a supervisor. I asked XXXX XXXX what was needed to finish the application. She read 'the notes ' that said we needed to submit a copy of the SSN card. I then informed her that we had already submitted the DL, and asked if she had used that as verification, as it is a 'valid government issued photo ID ', which is what they request in the application. She found it and then told me that regardless, they were requesting a copy of the SSN card in order to proceed with the application. I asked why they were requesting specifically it, and she simply said that she did n't know. I then asked to see if she could check with the department that made that decision so that I could get a better idea as to why specifically it was being requested. She contacted XXXX in the Applications Department. XXXX relayed to XXXX that the SSN was required. I then informed XXXX that due to the age of my mothers SSN card, it carries the words 'not to be used for identification purposes. ' After an extended hold, XXXX came back and told me that 'we are allowed to request anything because of the Patriot Act. ' I informed XXXX that is not how the Patriot Act works, you must cite specific articles in it. She said she did n't need to. I then said that under the FDIC 1020.220 'Customer Identification Programs ' and other FDIC articles, it is not even required to use a SSN to open an account, furthermore use a SSN Card for identification. She simply said 'The Patriot Act trumps all of that. ' I asked her if Ally bank abides by the FDIC regulations, and she told me that they did n't have to since the Patriot Act was enacted.
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

2017-10-12

Brooklyn, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with additional add-on 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

2017-10-12

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
Complaint: Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Grovetown, GA

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

2017-10-12

Broadmoor Vlg, CA

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

2017-10-11

Mount Vernon, NY

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

2017-10-10

Bedford, TX

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Talked to a third-party about your debt
Complaint: Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help. My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

AL

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 XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

Orion Twp, MI

Improper use of your report

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

Reporting company used your report improperly
Complaint: In XX/XX/XXXX I applied at a dealer called XXXX XXXX they advised me they use one bank only that will accept my loan with my credit score which was to be XXXX only, upon allowing them to pull my credit and submit it with my pay stubs and try to get me approved they submitted it to over 20 different finance companies of which I have noticed that their names are the names used twice on each time they tried to send it in I have Ally twice XXXX, XXXX XXXX, XXXX 3 times on their showing and many many more bank or finance companies but they have hit my credit bad multiple times, and all 3 credit bureaus as well are responsible they should know something is wrong why would there be a reported name or agency for financing multiple times on there as well as I have already signed up for the fraud alert they FAILED to monitor my credit correctly and should if noticed it being more times than one stopped any and all credit inquiries and notified me that there was suspicious activity I blame all 3 credit bureaus as well as the banks to receive multiple applications being submitted for a auto loan, they had no permission to do so after I called the salesman I advised him that he 's got me with to many hard inquiries and he would be pulling my credit once only upon knowing I received not able to approve due to interrrogatories shown below " Hard Credit Inquiries '' I told him he committed fraud on my credit Check and was responsible to get them deleted even though I was approved cause he knew he was wrong he killed the auto deal on me as well as the hard inquiries are still showing from XX/XX/XXXX to present. I contacted every bank on my credit report by phone and by mail nobody has yet responded to me I only applied for 1 finance salesman just kept on submitting to other finance companies I have made a dispute and complaint various times this is going to be my 4th time disputing them and each time waiting the 45 days for them to investigate and follow up with me NOTHING from all 3 credit bureaus was done nor did I receive any type of communication from the dealer, the finance companies I sent everything over with a copy of the complaint to all 3 credit bureaus nothing as of XX/XX/XXXX! Upon 4 requests did I hear back from anyone of them so all 3 bureaus as well are allowing this to ruin MY credit even more not delete it off is a resin my score is low I deserve the situation to be investigated and all documents pertaining to this I need to see where the dealer has permission from me signed that they can By my permission not if their own will to finance and make commissions submit it to multiple banks to cause harm to my credit by applying hard inquires I was only trying to finance to pay the car and make my credit repairs on my own by taking a loan and paying it instead they were in the wrong killed the deal after I raised XXXX to them and still have n't answered not to me or to the finance companies cause they ca n't they defrauded me and my credit is ruined and I need this to be RUSHED please as I said that this is 4 times I have submitted the disputes with every info of all banks on their from XX/XX/XXXX, all other ones are hard inquires as well after that between XX/XX/XXXX and XX/XX/XXXX anything for XX/XX/XXXX needed to be removed immediatley
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

Allenwood, NJ

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-09

MA

Incorrect information on your report

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

Account status incorrect
Complaint: I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.
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