Date Received: 2017-06-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX XXXX XXXX I contacted Ally Financial to inquire about a {$450.00} payment I was planning to make the next day ( X/X/17 ) towards my minimum monthly payment of {$440.00} which was due X/XX/17. I advised the representative I would be paying {$450.00} on Friday, XXXX XXXX XXXX which was to be applied toward my minimum monthly payment. I also advised the representative that I was considering making an additional payment of {$300.00} on top of the {$450.00} I would be paying for my monthly payment, which was to be applied directly to the principal- I did not ever say that I would definitely be doing this, in fact I specifically requested that they not take any of the {$450.00} I was paying on X/X/17 to be applied to the principal. I was told that the {$450.00} would go towards my minimum monthly payment due on X/XX/17 and that if I still wanted to pay the extra {$300.00}, that I needed to wait another day until Saturday X/X/17 to pay the additional {$300.00}, in order to guarantee it would be applied towards the principal. I was advised that if I did not call to make the extra payment, there would be no negative consequences or expectations set, and that my {$450.00} which we agreed was to be paid on X/X/17 would be applied 100 % to my minimum monthly payment for the month of XXXX regardless. I did not call to make the additional payment of {$300.00} on Saturday, XXXX XXXX, leaving the only payment that they received in the month of XXXX being for {$450.00} on XXXX. Instead of correctly notating the account, they misapplied may payment for {$450.00} on XXXX and applied {$300.00} of it to the principal, leaving only {$150.00} of my payment going towards my minimum monthly payment. I was advised that this payment was going to be applied directly towards my minimum monthly payment due on XXXX several times, and spent a great amount of time assuring that if anything was to be applied towards the principal, it would be an additional payment of {$300.00} ( on top of the {$450.00} ) and it would be paid X/X/17. I was guaranteed that, if I should make be able to make it, only a payment made for {$300.00} on XXXX would be applied to the principal balance, and that my payment of {$450.00} from X/X/17 would not be applied toward the principal whatsoever.
I contacted Ally today ( X/X/17 ) after I received the notification in the mail that their system reflected the unpaid balance. After almost an hour, I had spoken with a representative by the name of " XXXX '', who falsely identified herself as a supervisor. I specifically requested several times that the previous representative transfer me to a manager directly, and no one else. I came to find out, that XXXX was not in fact a supervisor or a member of management at all. I would be remiss if I failed to mention the fact that this is a common occurrence when dealing with Ally Auto Financial 's customer service department, as I have had several conversations in which I was lied to directly about who I was speaking with, whether or not my account had been properly documented, etc. I have even filed a complaint with the CFPB ( # XXXX ) in XXXX against Ally for another conversation in which a representative incorrectly advised me that my credit report could be updated to reflect a payment that was only 28 days past due. By the end of my call with XXXX, I was not given any time frame whatsoever as to when Ally would correctly reapply my {$450.00} payment from X/X/17 which they incorrectly applied to the principal balance of my loan. I was told that it may not be applied correctly before X/XX/17, at which point it will be reported on my Credit Bureau Report as being 30 days past due, which is simply unfair and unacceptable. Furthermore, when I called back and specifically requested to speak with a manager directly, I was yet again transferred to another agent that was not a member of management whatsoever, by the name of XXXX, ID # : XXXX. I expect, at the very least, the removal of any late payments or charges associated with misapplied, damages for the sheer amount of time I have spent dealing with Ally Financial and their abysmal, unfair, deceitful customer service and collection practices, and a sincere written apology for the amount of emotional stress and hardship they have caused me ever since I first became their customer in XXXX.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XXXX 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: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off.
On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-03
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the XXXX and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2017-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-03
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I XXXX XXXX XXXX an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of Ally 's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had XXXX and had to get XXXX for it and fell behind on his payments because of this. I advised the agents that I go back to work X/XX/2017 and will be able to make a payment on X/XX/17 . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for Ally bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2017-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My vehicle is finance d with Ally Financial. I received a call from Ally Financial XXXX XXXX , 2017 stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through GMAC in XXXX . We traded the XXXX XXXX in for XXXX XXXX XXXX on XXXX XXXX , XXXX in My name only this time.That being said the XXXX XXXX was paid off through GMAC and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r ( XXXX XXXX ) . Initial ly there were XXXX 30 day lates, XXXX reported on XXXX XXXX and the other in XXXX XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed XXXX 30 day late which was the XXXX XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my XXXX person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XXXX XXXX , XXXX so how can we have a 30 day late on our credit report for XXXX XXXX & XXXX XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XXXX XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was written off fro m Ally Financial ... It needs to be removed from all XXXX of my credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: ALLY Bank has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid. I need support in removing this lein. Account Number : XXXX Please call or email anytime. Mobile : XXXX email : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A