Date Received: 2017-11-16
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: My sister asked me to co sign a vehicle for her. She and the Car dealership had me sign in the Owner portion of the loan instead for a specific vehicle. When I left for sea with my ship, my sister went back to the dealer with my father and had the vehicle swapped. When I came back and realized this it was already too late to change anything. She is not paying the bills on time, still owes the state of Virginia registration fees that has not been satisfied in over a year. I called Ally Financial multiple times explained the situation and asked them to repossess the vehicle because I no loner want it and they refused to do so. They keep telling me that she needs to agree to the repossession. I told them the address where the car is located and I also give them her contact info. The vehicle is parking with no insurancing or a current registration. I do n't want to be lliable for the vehicle as I am still the primary owner of the car. I want them to reposses it. I already give them the location of the vehicle multiple times and they still have n't picked it up.
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: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. There is a server side issue - Bill pay is getting timed out
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: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. The person below is who responded to my first complaint and is responsible for setting this new process in motion. XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. At this time I have 2 late fees of {$17.00} and still 1 month behind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I signed a car loan with Ally Financial XXXX 2015. My car notes are just way too high. It appears that they charge high interest rates to minorities. I just can not afford this car. I do n't know why or how they approved me for a {$670.00} car note. Its almost like they purposely want me to fail this loan agreement. The company is very " bully like '' with their collection practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. All calls are recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A