Date Received: 2019-04-02
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Unconscionable leasing practices ; Unfair and deceptive trade practices ; Breach of Contract ; Violation ( s ) of the Consumer Leasing Act COMPLAINT 1. This is a complaint against Ally Financial Inc. and Ally Bank ( collectively, Ally ). Ally is one of the nations largest automobile financing companies, originating billions of dollars in automobile leases every year through its standardized lease contract, the SmartLease. Ally has made its SmartLease agreement available to thousands of dealerships nationwide. 2. Allys SmartLease has been the subject of numerous consumer complaints, including a recent near {$20.00} million settlement deal to resolve a class action lawsuit claiming that the company hit vehicle owners with hidden fees that were allegedly not listed in their lease-to-own agreements. 3. XXXX XXXX XXXX ( Consumer ) entered into a 42-month Ally SmartLease on XX/XX/XXXX with total base scheduled payments of {$45000.00}. The Consumer made every payment on time without incident. 4. The SmartLease included a {$1100.00} refundable security deposit. 5. The SmartLease ended on XX/XX/XXXX. The SmartLease was extended for one month. The payment under the SmartLease extension was made on XX/XX/XXXX via XXXX XXXX for {$1000.00}. 6. The leased vehicle was returned on XX/XX/XXXX to the following Ally location : XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. There was no excess wear and tear or visible damage. The vehicle was functional with no indicators or warning lights displayed. ( Photos of vehicle at Ally return location are available upon request ) Note : The Ally location is under major construction. The dealer drove the vehicle to a parking garage and stored it in an uncovered spot in the garage ; exposed to the elements. 7. At the return of the vehicle the Consumer provided written notification of the lease return, made a written request for Ally to advise of timing to inspect and close out the lease. ( See emails to Ally - CASE : # XXXX, FIRST REQUEST XX/XX/XXXX, SECOND REQUEST XX/XX/XXXX ) 8. After returning the vehicle, the Consumer was not advised by Ally either of the timing of the inspection of the vehicle. 9. The vehicle was not inspected at the location where the vehicle was turned in. The vehicle was instead transported and subject to a 3rd party inspector at another location. 10. After the date the vehicle was returned, the Consumer made numerous phone calls and two written request to Ally but received no correspondence from Ally for over 45 days. 11. The Consumer finally received correspondence from Ally, in the form of an itemized bill, alleging excess wear during the week of XX/XX/XXXX -- over 45 days after the date the vehicle was returned. 12. The itemized excess wear and damage bill didnt include a notice of the Consumers right to an inspection of the vehicle or any other process if the Consumer disagreed with the bill. 13. The Consumer was denied reasonable access to the vehicle for an additional appraisal/inspection. However, the following week after Ally sent the bill to the Consumer, Ally sold the Vehicle sold at auction on XX/XX/XXXX.
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: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an IRA account with Ally Bank. I wanted to transfer that money to XXXX XXXX for a better interest rate. I submitted transfer paperwork in XXXX of XXXX. Ally Bank kept responding that the paperwork had not been properly signed by XXXX XXXX. This went on until XXXX of XXXX when Ally FINALLY ADMITTED THAT THEY WERE WRONG. The paperwork had been properly submitted and signed by all parties. This delay cost me roughly 5 months in lost interest. I placed dozens of phone calls to Ally and XXXX trying to get this resolved. Once Ally admitted their fault they told me there was NOTHING they could do about my lost earnings. I continued with my calls and demanded that they compensate me, they again said nothing could be done and I received a letter that said they are not in the practice of offering compensation to their customers!!! Their mistake and delay cost me $ $!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2019-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX XXXX XXXX Ending In:XXXX To Ally Account Ending In:XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A