Date Received: 2017-04-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2017-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: My vehicle lease and auto loan are paid in full but still appear in my credit report. I leased my vehicle and after 3 years i decided purchase the vehicle. I own the vehicle because i paid in full all the debt. On my credit report appear like two different vehicles and still debt balance to pay. I need this balance being updated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: After applying for a loan to purchase a new car, I received an interest rate 3x 's higher than indicative rates for a used automobile purchase for my creditworthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No