Date Received: 2019-06-07
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I was pressured into co-signing a very expensive auto loan with Ally Financial by a car salesman and general manager at XXXX XXXX XXXX XXXX XXXX. I was Coerced by the salesman and told that my credit would be the only way the loan could be secured. At the time I did not have steady employment or income to afford the payments on the loan if the owner could not pay. Emotional tactics were used to coerce me into signing the loan. I was under duress when the loan was signed. I had even cried before signing the paperwork. I am now unable to pay the loan as stated in the beginning and I was unaware of the interest rate or total amount of the loan. At the time I was XXXX and since then my credit has been ruined and neither I or the other co-signer can afford this loan. The salesman knew I did not have steady employment. I was working XXXX and had already signed for my own car loan that day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Checking and Savings account with Ally on XXXX I transferred funds from XXXX to Ally to open both accounts. The funds are already withdrawn from my account at XXXX and they have held the funds. I have NO ACCESS to funds there is no branch I have no debit card no checks. I have asked 3 times today to have a Debit Card overnighted or expedited to me and they said no this can not be done. I want access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a checking and savings account with Ally bank for years. As they are very good bank and offer very good services ( including customer services ) - it seems their customer base has really increased ( more than what they even expected ). With such a higher volume I don't think they are able to scale up their operations which results in too many frequent maintenance events ( downtime, system not available ) and various IT errors. Can't really comment on their IT staff as it is below expectation according to me ( based on my XXXX yrs of XXXX experience ). On or about XXXX XX/XX/2019, I wanted to transfer {$10.00} from my savings account to checking account. Due to Ally 's mistake it got transferred 3 times. Essentially that means I incurred 2 additional withdraw transactions from my savings account. When i reported this to Ally, they said we can't reverse it but if there is a situation we charge you fees of exceeding more than 6 transactions from savings, reach out to us and we will waive it. It happened to me yesterday that just 2 days before the statement cycle-i exceeded 6 transaction. But now ally customer service is not honoring their words.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
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/2019 I used Ally.com secure email to submit a request for an official title to be used to register my car. I provided the form from CT DMV with all the details and address to send the official title. On XX/XX/2019 I received a secure email with a non-certified photocopy of my title. So I emailed back that I needed them to send a certified copy to the DMV as originally requested. I provided the CT DMV form again at that time. I also called and asked to be connected to the Title Department and I spoke to XXXX who reviewed the record and said there was confusion as to a certified title and an official title. He agreed to send and official title overnight to me and he said I would receive a XXXX XXXX tracking number once this was complete. On XX/XX/2019 I called Ally to inquire the status of my request. I was told there was no request on record so I made a verbal request and was told the title would be mailed and a copy would be emailed via secure email. On XX/XX/2019 I did not receive the copy so I emailed them again. They responded that they mailed a certified copy on XX/XX/2019 and again of XX/XX/2019. I replied that I had received neither but needed an official title mailed to the CT DMV. By the end of the day, I received nothing so emailed them again, reiterating that I need them to send the DMV the official title. On XX/XX/2019 I had a call from my daughter who lives at my prior address saying that she received a photocopy of a certified title dated XX/XX/2019. This can not be used to register my car. On XX/XX/2019 I received a secure email asking me to call Ally to discuss my complaint. On XX/XX/2019 I called the number and reached customer service in the XXXX and was asked to provide my account number, address and last four of my Social Security number before they could transfer my cal the the Title Dept. I asked for a supervisor and spoke to XXXX who said the main office would not accept unverified calls. I told her I would provide my account number but not anything further and asked for her to provide me with a direct dial number for the title department. She left me on hold for an extended period of time before saying she was not allowed to provide me with that number. I attempted to find the number myself online and called the main number for the XXXX MN office, however, the phone only rang and rang and no one ever answered. I attempted to chat to get a phone number and received an auto-response that I was 9th in the queue. After getting 6 notifications that my call was important, I gave up waiting. I sent another secure email asking them to phone me so we could discuss this and I am still waiting for a response. As you can imagine, after two weeks of waiting, and numerous attempts to request it, I am anxious to receive my official title and register my car. I am frustrated that I can not get this company to provide this document as I requested. While they have sent photocopies to me and my daughter, they have not provided a single official document to me or the DMV so I am still unable to register my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My husband XXXX XXXX, scheduled an online payment of {$460.00} for XX/XX/19. Ally Financial processed the payment as {$1700.00}. We notified Ally on XX/XX/19 of this error and they processed a refund request confirmation # XXXX for {$1200.00}. Which would be the {$1700.00} - {$460.00} that the online payment was suppose to be. We were contacted XX/XX/XXXX and told that the refund would have to be for the full amount of {$1700.00}. We spoke to Supervisor XXXX, she processed confirmation # XXXX. On XX/XX/2019 we again were contacted by customer service and now told they are refusing to refund the amount because account would be 90 days delinquent. We stated that we would be making 2 payments immediately upon receipt of funds. They did not care and absolutely refuse to return funds. Even though we informed them that this mistake has caused us numerous issues at our bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Today I am at my breaking point with this company. I called on XX/XX/2019 to make a payment. I had a past due amount of {$940.00} ( balance for XXXX and XXXX 's bill ) I made a payment of {$350.00}. Today I called to pay the remaining balance of {$590.00} only to be told the amount due is now {$1000.00}. Not only is there no way possible I can pay that I was totally blind sided. As always, the communication with this company is awful. The first rep told me that the late fees were from the start of the contract which made no sense at all. The supervisor got on the phone and said well the balance for XXXX is {$590.00} and 5 % has now been added to that. That is almost another car payment. I wrote a letter to the CEO XXXX XXXX and I will be filing another complaint with the XXXX. This is so unfair and no one should have to deal with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : ( ALLY FINCL - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged. XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours. XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed. XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions. XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me. XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A