Date Received: 2017-02-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have an auto loan with Ally Financial. They are over charging me for interest, my loan states 12 %, but some months they charge about 60 %. They are not crediting my account correctly. They are stating i owe 3 months. I showed them i paid it accordingly, maybe a bit late but paid. They are crediting wrong months. I got an extention XX/XX/XXXX, pushing a payment to the end of loan. They asked me to pay a certain amount XX/XX/XXXX then balance XX/XX/XXXX. I did that as agreed, they now tell me i did n't pay either month. I paid 2 months in XX/XX/XXXX, they said i only paid one month, stating one was returned, it was n't. They send me threatening letters if i do n't pay they will take action. They are charging me late fees because they are crediting my account incorrectly, just a way to collect more money. They are reporting to my credit reports incorrectly. They called me on holidays and days i specified them not not to, they called me at work. They said they can calll to collect whenever they want even at inconvient times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I had a car repossessed on or about XX/XX/XXXX. The auto loan and title belonged to Ally Financial Bank. XX/XX/XXXX, I requested from Ally Financial Bank a copy of the " Notice of Intent To Sell Motor Vehicle '' AND the Receipt of Sale by Auction. They told me to call the " Recovery Team '' which I did and they had no idea what I was talking about because Ally Financial Bank owned the Auto Title ( Pink Slip ), the Recovery Dept does not hold Auction Sale Receipts, and that auto loan dept. should have given me the Auction Bill of Sale copy upon my request. A second phone call to Ally telling them what their Recovery Team said, they continued to give me the run-around, and developed a standard of circular department calling which I could not get anywhere! The repossessed Vin # is XXXX and this is the ID of my former car I gave them. I tried to get the information from the Texas DMV, but they turned me away too and said I had to return to the Ally Bank who owns the title or had the title and loan. My efforts were useless. Ally did not abide by the following Texas Repossession Laws : Texas repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. The notice from the Texas repo company will inform you of when you must redeem your repossessed vehicle by before it is to be sold at auction. You may be required by the lender to pay off the entire loan amount of the repossessed vehicle before getting the car or truck back. Texas repossession laws do not allow you to file for bankruptcy to avoid repossession of your vehicle. Also : The reposession agent ( towing company ) performed A Breach of the Peace And Why Does It Matter? Because I live in a SECURED, GATED HOUSING COMPLEX and these people do not have my gate code ; they followed somebody into the complex! A breach of the peace happens when the repossession agent ( towing company ) takes the car by illegal means or creates a disturbance during the repossession. Some examples include : ( 1 ) going into a secured area ( either gated, fenced, or guarded ) without permission ; ( 2 ) going into an underground parking garage by somehow opening the gate, or following a car in ; THIS IS WRONGFUL POSSESSION! TEXAS AUCTION LAW STATES THAT MY RIGHTS ARE : If you do n't pay for your Texas repossessed vehicle, it may be sold at auction : Texas repossession laws allow the lender to sell your repossessed vehicle at auction if you do not redeem it by their deadline. **THEY WO N'T GIVE ME THIS! ** After the sale of your car repossession, the lender will send you another notice informing you what your repossessed vehicle sold for. My personal items were in the car and I was not given the option to collect my belongings. At the time of my calls, I REQUESTED VERIFICATION of these document ( s ) of the above which Ally Financial did not provide me a copy of anything but referred me to the " Recovery Team '', which they knew nothing regarding my verification request or Bill of Sale at Auction! They violated the Texas Repossession Law by not doing giving me any of the verifications of notices. Ally Financial has put this repo. on my credit report as a " Charge Off '' and failed to perform in accordance with the Texas XXXX XXXX.
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: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. This has negatively affected my credit score to a point that it is irrepairable at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: We purchased a vehicle in XX/XX/XXXX. The financing was done through Ally Financial. i was XXXX in the XXXX until XX/XX/XXXX. In XX/XX/XXXX we moved back to XXXX. We updated Ally numerous times with our new address and phone numbers. In XXXX Ally repossessed the vehicle from our current address in XXXX but continued to send letters to XXXX. Because of that we never got any notification of anything. Once Ally sold the car, we never got a notice of deficiency. Now Ally has us in collections which should be illegal because we never had a chance to rectify the situation or even were aware of what was owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Purchased a XX/XX/XXXX XXXX from local dealer, I got there to discuss details of the vehicle, test drive, etc, and was denied the opportunity to do at that I requested. I was there to be a co-signer for live in companion. Long story short they told me I had no need to go over what was already discussed between the buyer, dealer etc. So finally after hours of waiting to go in finance and never seeing or test driving vehicle, the finance manager proceeds to lay out non printed contracts and various other blank docs instructed to sign. I was so enraged with the whole deal that I quickly signed argued that it was against the law and also for them to not inform me that I was in fact the primary purchaser listed on the loan ( furious ). I sped out of parking lot only to return demanding the contract was to be ripped up and a new printed disclosed contract be done and then reviewed to sign ... .Throughout the ordeal the staff insisted that the car was a XXXX XXXX previously owned by the owners next door neighbor in XXXX XXXX ... .I told them to just stop the BS and inquired why there were no plates on the vehicle etc, The Sale XXXX at the desk rudely exclaimed that they 'll be in the mail in 90 days. I was also concerned of the financing, rate, term etc. So many laws broken or unjust, deceitful business practice. I find out that the vehicle is currently registered in Illinois as of XX/XX/XXXX and has not been registered in XXXX ever ( vehicle exported XX/XX/XXXX from XXXX imported directly to XXXX. Also the vehicle was not registered from XX/XX/XXXX to XX/XX/XXXX mileage history XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles The dealer that sold us the vehicle listed for sale on XX/XX/XXXX @ XXXX miles XX/XX/XXXX @ XXXX miles shows XXXX insp stat appeared to pass smog XX/XX/XXXX pre delivery etc, also than again shows Emission inspection performed ( why ) According to XXXX law buying and selling and out of state vehicle, especially one entering into XXXX and never registered in XXXX require certain documentation etc. States that the new owner has XXXX days to transfer ownership and release of liability, signed documentation from previous registered owner etc which I do n't see any record of being done, The plates are to be issued XXXX days on a used vehicle, not XXXX days as the dealer insisted. I was preapproved with XXXX XXXX and showed the dealer this and asked if they could get the financing with them if possible, I was given the runaround and lied to about many things pertaining to the purchase. I have the buyer guide sticker from window which shows the vehicle as inventory and property of a different dealer across the street, they also changed the price by {$4000.00} more but forgot that the original price was also underneath on other page, ad online also was a different price, the finance company they went through was ALLY finance, at XXXX % x XXXX months on a XX/XX/XXXX XXXX ... ..I am sure that they increased the rate quite a bit which is against the law, also I later received a letter from XXXX XXXX stating that they had approved the loan but had n't heard form the dealer ... also stated that the terms needed to be adjusted according to price, rate etc ... ... .But the dealer lied and told me they would not consider or approve. The vehicle was involved in a collision which declared the vehicle a total loss and the insurance paid the value of the vehicle which left us with a balance against the loan in the amount of approx. {$5500.00} @ monthly pay of {$870.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2017-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Hello, I had a Vehicle loan with Ally Financial from XXXX until XXXX. In XXXX, I was suppose to receive a monetary check from them because of a discrimination lawsuit against them. I have contacted them multiple times because I have not received my check. I am in need of assistance to get them to send me my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 22304
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I requested for a hardship payment assistance with ally financial on my car payment for two months deferment and was told that they can assist me. The Lady told me that with the program they have, I can just pay the interest only for the two months but I told her that I had lost my job and do n't have any money to pay. Then I asked for a supervisor, another lady got on the phone and we talked about the same thing and she said that in order for me not to pay for those two months and the mature date be extended, it has to go through a review process and will be notified in 48-72 hours. Two days later the lady called me to tell me that I was approved for the payment extension and I do n't have to pay anything for now till XXXX. But to my surprise, I kept getting about XXXX calls from them everyday. At first I was not picking up because they were not leaving messages and I was thinking it was a marketing call. So one day I picked up the call to tell who has been calling me to stop and was told it was ally bank in regards to my auto loan. I told them that I was approved for a payment extension and the man said I was not and after going back and forth for about XXXX mins, he said oh I see it and it was the customer service department that approved it for me and I have to contact the customer service department to tell them about forwarding the approved to the collection department. It sounded like I was been dreaming when he said that. I was upset and hung up the phone on him for saying that. Their calls get on going so I picked it up again and a lady started with the same I do n't see you been approved for any program. So I requested for a supervisor and a lady by the name of XXXX in XXXX came after about a min and half of me talking she told me that the car is not mine, my story is wrong, told me I was been harassed, and they do n't carry any program as the XXXX I said I was approved for. I was shocked and told her so Someother person in the company had confirm seeing the agreement for her to just. She told me that she checked and hung up on me. While I was calling to get their corporate number to complain, a lady by the name of XXXX called me and said she got an email to contact me on my issue. I asked her who sent her the email, she said it was a system email with no name. I spoke to her about my frustrations and how I have been spoken to by both their service rep and supervisor and she said she wanted to assist me. They said she sees the approved agreement that those other were not properly trained to go deep into the system to get the information. She said that she was fixing the issue but she has to put in another request in their system to be able to clear the issue and for me to make the payment online which I did that day and she would contact credit bureau to delete the derogatory in my profile. Today, I noticed that the payment I made for {$440.00} was applied to interest and none to my principal balance and my loan and added additional two months to my maturity date, and that I still have late fees of {$44.00} to still pay even though XXXX said it was their fault, they lied to me. I want them to honor the two months no payment agreement originally approved, credit by principle balance, clear off my the negative payment history with the credit bureau, delect the late fees of {$44.00} because I was not late per approved agreement and compensate me for their wrong doing of insult, harassment, negligence, and increasing my current medical situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My wife 's debit card had been hacked and used via XXXX. As soon as I was aware of the fraud ( which was the next day ), I contacted Ally to freeze the card and follow on with the dispute of the claims for a total of {$400.00}. The following day I received a call from Ally stating that because it was a XXXX transaction they wanted me to handle to issue with XXXX. Although I thought it was their job to follow up with XXXX, I did as told and followed up with XXXX immediately. It took them a couple day to verify that it was indeed fraudulent and attempted to do a charge back to the card that was frozen. Ally blocked the transaction. Although aware the card was frozen XXXX had stated that banks immediately get notified about the block and review and charge the amount back to XXXX. I called Ally once I was notified that a return charge back was attempted by XXXX, they stated that they do n't see anything on the account and that maybe it will take a day for that to go through. a couple days later I check my checking account and noticed that the funds were n't transferred back to the account. I called Ally they stated that no transaction were made nor notifications given. I called XXXX they stated they have a log that shows it was denied by Ally, but will attempt it again. Few days later nothing changed I called Ally they said the same things. I complained to them that they needed to do a charge back and what they needed to put my funds back into my account. The customer service rep as well as their supervisor 's excuse was that because it was under my wife 's debit card they can not do anything until they speak with my wife. The next day I called Ally with my wife present, they looked at the account and said that it was n't my wifes debit card that was affected it was mine. but still could n't do anything because their resolution department was closed. I called the next day with the XXXX representative present on the line. Ally gave the same excuses, until the XXXX fraud department representative chimed in and stated that they could potentially be in violation of Regulation E, which got the Ally representative serious and brought in a resolution expert on the phone. That supervisor/resolution expert immediately told me that the issue was because my wife needs to submit the claim ( although it was a joint account ) in order to resolve the issue. Shockingly after 2 weeks of no help whatsoever they had stated that the issue was because my dispute was not valid and that it was because my wife needed to file a claim instead of me, despite numerous attempts to resolve the issue on my own. Begrudgingly my wife filed the claim requesting a quick resolution because Ally was the cause for the holdup. shortly after my call with XXXX who explained their potential violation and that they were the cause of the hold, I all of a sudden get an executive resolution center representative that emails me giving all the excuses in the world as to why this has n't been handle properly. After several days later I get a letter in the mail from Ally stating that " the disputed transaction was processed through a third party payment processor, XXXX, the transaction is considered a merchant credit and that because it is not covered under the regulatory dispute resolution process, they would like to " assist '' me which will take up to 90 days from the time they receive my complete form. It 's been 3 weeks since the original dispute was filed, with absolutely no effort on Ally 's end to look into the matter or provide guidance as to what could be the delay or cause of it. The end result is endless new excuses as to what I need to further do to get {$400.00} that paypal has already attempted to do on multiple occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No