Date Received: 2017-03-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 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. Also, if you look at the attached screen shot of my report, they are saying was late two months and that is true. On XXXX, they are reporting XX/XX/2015 30 days late and on XXXX and XXXX they are reporting XX/XX/2015 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2017-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. I want their inquires removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.
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: 2017-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes