Date Received: 2020-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my account in early XXXX. Ally Bank promised to refund my balance within 10 days. I never received a check in the mail. In early XXXX, I contacted Ally Bank to notify them that I never received the check. The made me fill out a lost check affidavit and promised to send the check within ten days. A week later, they told me that the affidavit needed a e-signature, so I complied and filled out the form again with an e-signature. Two months went by and I never received a check. I reached out again to Ally Bank and they are now telling me that I need to send in the affidavit with a physical signature. Ally Bank has made zero efforts to return my money. They seem to be making it excessively difficult to return my money and keep giving me different answers about what I have to do to get it. Avoid this bank and stick with established banks -- they are more responsive and less shady than Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me. On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward. Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial. The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time. My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/XXXX I traded trucks at XXXX XXXX in XXXX TN. On that date they called Ally Auto to get a payoff and were quoted {$21000.00} that was good for 10 days. On XX/XX/XXXX they received that amount plus on XX/XX/XXXX another {$500.00} from an automatic payment that was not turned off. They are telling us we now still owe {$280.00} and that they told the dealership they quoted {$21000.00}. I believe the dealership over this company. Upon reading reviews I am terribly sorry that we ever did business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Joint account been taken off because the main owner is on chapter XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Last week I used the XXXX XXXX where attorneys help with financial obligations and such during this pandemic. Well they sent a few letters on my behalf to ally bank and ally closed my accounts! I have a check from a matured certificate deposit account I can not cash now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX {$300.00} XXXX transaction initiated to XXXX XXXX XX/XX/XXXX We realized the XXXX transaction was sent to a closed account XXXX used to have at XXXX XXXX that was still associated with his XXXX account. I called Ally Bank and was told the funds would automatically be returned to me. XX/XX/XXXX I contacted Ally to check the status of my {$300.00}. I was informed that the closed bank account with XXXX XXXX received the funds. I advised that we had spoken to XXXX XXXX and they advised they did NOT receive any funds. They stated it was impossible due to the account being previously closed. A dispute was opened with Ally bank for this {$300.00} transaction. XX/XX/XXXX I contacted Ally for an update on my dispute. I was advised of a 10 business day turnaround timeframe. XX/XX/XXXX I contacted Ally for a status on the dispute. No update available. XXXX Provisional Credit of {$300.00} applied to my Ally account. XXXX I received paperwork from Ally to complete and send back regarding details of my dispute. XXXX I returned said paperwork via email. I reached out to Ally Bank to advise them I had sent my paperwork back to them. Ally tells me to contact XXXX XXXX myself ( even though I do not hold an account with them ) and inquire about the {$300.00}. I advised Ally that XXXX had already done so and was reassured that XXXX XXXX did not receive or accept a {$300.00} XXXX transaction. Ally insists that the transfer was completed and the {$300.00} was not rejected. XXXX I am notified that my provisional {$300.00} credit will be revoked on XX/XX/XXXX. XXXX I contacted Ally to express my frustration in their clear lack of true investigation in this matter and was provided with no resolution. XX/XX/XXXX Provisional {$300.00} Credit revoked. My dispute was re-opened through Ally per my request after much back and forth with them. XX/XX/XXXX I contact Ally for a status on my dispute. They advise me again of a 10 business day turnaround time. XX/XX/XXXX I inquire if there are any updates regarding my re-opened dispute. Ally bank tells me that because it was a duplicate dispute it was closed and not investigated further. Brand new dispute opened per my request. XXXX I contact Ally to check for any updates. I am told again to contact XXXXXXXX XXXX with whom I have no accounts and therefore will not speak to me. Ally continues to insist that XXXX XXXX accepted the {$300.00}. XXXX calls XXXX XXXX and obtains a letter on letterhead stating officially that they DID NOT accept any funds from my XXXX transfer. I obtained a copy of this letter and I sent it to Ally Bank disputes team via email. I advise Ally bank of this and I request that my case be marked as a priority and that it be escalated. XXXX I contact Ally to inquire why my case has not been resolved after I provided proof of my dispute being valid. Ally advises me they are waiting on a response from XXXX XXXX. I requested a supervisor. I advised again of the document I had already submitted from XXXX XXXX formally stating they do not have my {$300.00}. I am told by the supervisor that my case would be marked priority and I should either hear from someone or see my money returned by XXXX. XXXX I have still not received my {$300.00} and have heard nothing from Ally. I contacted Ally and spoke with another supervisor and was told my case was being escalated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid. You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. XXXX XXXX XXXX XXXX XXXX, KS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66044
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ally bank ran a promotion where they would pay a bonus of {$250.00} if you deposited {$25000.00} or more by XX/XX/20 and kept it on deposit until XX/XX/20. I complied with these terms and they are now refusing to pay the {$250.00} bonus to me. Thats not right
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: This complaint is relative to the existing pandemic, an obvious loss of income, and Ally Financial forcing us into an agreement to make THREE full payments of {$460.00} in less than 60 days. If scheduled payments fail, repossession is the ultimate outcome. It's quite obvious that the poorer people of color and seniors are targets. Is the government doing anything to assist, maybe mandating ( lower ) payment arrangements or some form of workable installments? It's already been ruled by the federal government in previous court cases that XXXX Americans, XXXX, etc, are automatically given auto loan payments that are at minimum {$250.00} more than that of XXXX. Who's monitoring that? Are we to sacrifice food, meds, housing and the like to keep our vehicle? One might say turn over the vehicle if we can't afford the payments, but where is the human factor based on a pandemic we too never asked for? Something needs to be done and sooner than later. The added stress is unspeakable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing. Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ". I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment. When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed. However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle. Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse. I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal. This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A