Date Received: 2017-01-25
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2017-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-21
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2017-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-20
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In regards to my closed, paid in full Ally Financial LEASE account. I contacted this company several times regarding an error that was placed on my credit reports. Initially, Ally Financial was reporting this account derogatory information on a account that was in excellent standings. When they corrected the retail account they inaccurately added information on my lease account. I contacted Ally and informed them of their error. This time they removed the lease account from credit report. Note : Ally removed the account not the credit bureaus. A XXXX months later the negative account was added back to my credit reports. After seeing the significant drop in my FICO score, I submitting a " goodwill letter '' asking Ally that since my LEASE account been closed for years if I could be forgiven for the late payment. My request was denied. So I waited a year later and submitted another " goodwill letter '' and in addition, I spoke with an Ally Financial Representative and the derogatory account was removed from my XXXX and XXXX XXXX reports. But not XXXX. I waited 2 months and since it was still showing on XXXX, I contacted Ally Financial. This time I spoke with a representative named " XXXX ''. I can tell she became agitated with me because she keep saying that Ally Financial does not grant " goodwill '' request. When I informed he that it was removed she stated " Well, it should n't have '' and that she have to look more into the matter. XXXX days later, my credit monitoring alert reported " derogatory account '' added. Once again my credit score took a significant drop for a late that was over XXXX years ago. I contacted Ally and explained how XXXX 's retaliatory action is impacting my credit score as a " new '' derogatory account. They continue to tell me someone would call me back. No one calls and/or answers my letters. I would like to know how is it that one Ally Representative granted the " goodwill '' request then another comes an reversed it. Not based off of something I DID WRONG to the account because by this time the account was closed and paid in full since XX/XX/XXXX? To this very day, although, I have never been late on the new Ally retail account ( which is closed and paid in full since XXXX XXXX XXXX and the old Ally late almost 4 years ago, I was denied a loan in XXXX XXXX and XX/XX/XXXX due to a new derogatory account added in XX/XX/XXXX. It should be noted that Ally Financial Lease account is the ONLY negative and/or derogatory account on my all credit reports. I contacted all three bureaus and they informed me to contact Ally. I contacted both lenders who denied me and they informed me that the old account is reading as " late payments within the last XXXX months ''. I have the adverse action/ denial letters ( Denials received XX/XX/XXXX and XX/XX/XXXX ). It appears that when Ally re- added the XXXX account they submitted as a new derogatory account. Instead of having an impact of a nearly XXXX year old late payment I am being impacted as a recent late payment. Which is inaccurate. If Ally Financial is going to take back their " goodwill '' approval then the account should reflect and have the same impact as a XXXX year old late not re-aged like a new late payment added in XX/XX/XXXX. PLEASE NOTE : THE ALLY FINANCIAL LEASE ACCOUNT DOES SHOW LATE PAYMENT BACK IN XXXX. HOWEVER, BOTH RECENT DENIAL LETTERS " LATE PAYMENTS WITHIN XXXX MONTHS ''. I am requesting that Ally Financial immediately correct how this old lease account is sending a signal as a newly added derogatory account. If this account can not reflect and/or impact my credit report the same as a nearly XXXX year old account should then the lease account should be removed completely. It should be noted that prior to XX/XX/XXXX, I was approved for XXXX credit cards with XXXX and XXXX credit balances. All loans and XXXX no lates since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-20
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-20
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85741
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No