Date Received: 2021-01-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie. Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call. Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently reviewed my credit report and saw I had late payments reported for XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This account is for Ally Financial the balance of the account is {$14000.00}. I was out of the country and had someone responsible for payment my auto pay via auto pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: When I first filed a complaint with Ally Financial a few months ago, I was told that there is a program for people who are 45 days past due. I do not qualify for an extension. The woman who represents Ally is rude and disrespectful and was almost making fun of me for having a hard time with income loss. She did manage to tell me about a program I could qualify for when I am 45 days past due ( in between being condescending about asking for an extension ). She did say that if I got another extension, I would never get the car paid off, which is none of her business. I have called Ally three tines today and been cut off twice and am now on hold ( again ) for 45 minutes trying to get help. I HAVE NOW BEEN HUNG UP ON FOR THE FOURTH TIME TODAY! this is absolutely a nightmare and UNACCEPTABLE. I AM NOW CALLING IN FOR THE FIFTH TIME TODAY. I got a threatening letter from Ally but have no way to talk to someone from Ally because I am hung up on every time I call in. I hope the CFPB takes this seriously as the woman who handles these complaints only wants to make fun of people who can't pay and be condescending
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I mailed Ally Financial a cease and desist along with other legal forms advising them pursuant to 15 USC 1692c. ( c ), I was notifying them in writing that I refuse to pay this alleged debt, and I demanded that they cease all forms of communication with me through any and all mediums. A return receipt and USPS tracking number indicated the mail was signed and received on XX/XX/XXXX. I have received numerous calls from Ally Financial, with voicemails left after the mail was received with the most recent being today, XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47715
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2021 I initiated 2 transfers using XXXX through Ally bank for a total of {$400.00}, this money was supposed to be transfer to a XXXX XXXX XXXX account that I myself own. On the ally bank side it shows the transfers were completed. it is XX/XX/2021 and the money hasn't reached XXXX XXXX XXXX. I spoke to XXXX on XX/XX/2021 and they said there is nothing they can do on their end they advised me to get in touch with ally bank so they can perform a trace on the funds. I have been on the phone with ally several times since then and nobody can tell me what's really going with my missing money. I decided to look up ally bank on the XXXX XXXX XXXX and they have one of the worst ratings with over XXXX complaints. ally bank is getting away with peoples money they need to be hold accountable. I have transferred money from ally bank to XXXX before using XXXX and never had an issue I know the email addresses im using are good and registered to receive XXXX payments. looking online there are thousands of people complaining about similar issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A