Date Received: 2017-02-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Account was paid as agreed. Never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-04
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Consumer Complaint: I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-03
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2017-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2017-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i have paid this bill and i ask 4 it to be remove i was told it would take place win i pay but it is still on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Returned vehicle on a lease. Before returning the vehicle I had it gone over by a licensed auto body tech. XXXX dollars spent on nics and scratches. After vehicle was returned I received a bill for {$400.00} for scratches on the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-27
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No