Date Received: 2018-07-20
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was shocked when I viewed my credit report and found late payments below.. Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I didn't know what this company and i didn't request from this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2018-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A