Date Received: 2019-04-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53150
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: ALLY WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, XXXX IN ERROR.
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: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on? My husband has already spoke to them multiple times and sent numerous emails. This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally. It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email. We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check? Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.
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: 2019-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ALLY FINANCIAL REPORTED AN INQUIRY ON MY XXXX CREDIT REPORT THAT IS NOT MINE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 250XX
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check of {$2500.00} to my money market savings account at Ally Bank using their app on Sunday, XX/XX/2019. As of XX/XX/2019, the deposit was marked as approved, but the funds were not available. After getting no reasonable response from their chat feature I called them and they informed me that the check was still processing. And they could put in a request to expedite the process. On XX/XX/2019, they made only {$200.00} of the {$2500.00} available to me. I did not actually get full access to the funds until XX/XX/2019. I finally received an email from them explaining that the deposit was handled according to their policy on XX/XX/XXXX, so I assume that many other customers are having the same issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60007
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank. For no good reasons even my online access was blocked and account was frozen. due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days. I have a credit score of XXXX and never had this issue in 19 yrs for me. which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen. chatted to XXXX ( XXXX ) they told that my account is past due 2 days. I have all the money into Ally bank only and NO other account. My credit score being XXXX and i have had this issue in last 19 yrs ... I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score. As you can see from the Screenshot*.jpg how long this wait is. Finally I was able to get hold of Ally fraud team. Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )
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: 2019-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A