Date Received: 2017-02-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
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 as of XXXX 2016 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: 08742
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: Ally continues to contact my cell phone asking for information on a relative. They have contacted all of the cell phone numbers in my plan and continue to do so after have been asked several times to cease communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Copies of the contract and correction letter are attached to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-18
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2017-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No