Date Received: 2016-12-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My wife and I have had an auto loan with ALLY Financial for almost 3 years. I pay this loan payment of {$1100.00} through XXXX Bill Pay. One time in the past I sent an extra {$1000.00} and ALLY applied it to future payments instead of the principal. When I called them about this they told me I had to send in the payment stub or call them to have to payment applied to the principal amount owed. In XX/XX/XXXX I sent the payment stub with a check for {$3100.00} and indicated on the payment stub and the check to apply {$2000.00} to the principal. I just received my next bill and the due date is XX/XX/XXXX in the amount of {$270.00}. I called them and was told that it was their policy to apply any extra money sent to future payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89434
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Car reported stolen XXXX/XXXX/XXXX. Case # XXXX XXXX XXXX Police Department Detective XXXX XXXX - XXXX XXXX declared a " TOTAL LOSS '' XXXX/XXXX/XXXX. ALLY FINANCIAL is the lien holder for the XXXX XXXX XXXX in question. XXXX XXXX declared total Loss but ALLY FINANCIAL is still taking my payments? I went to trade the vehicle in AFTER XXXX XXXX & ALLY FINANCIAL made me recover the FOUND stolen vehicle in California - for which XXXX OR Ally Financial have attained a SALVAGE Title unbeknownst to me. The car was declared " Total Loss '' in XXXX. I HAVE GAP Insurance and ALLY FINANCIAL IS AWARE of that fact and has NOT ACTIVATED GAP despite my requests or questions ; as I was n't sure about GAP until recently. I want to complain and bring charges against BOTH entities for fraud. The XXXX XXXX XXXX XXXX XXXX XXXX AND ALLY FINANCIAL ARE NOT IN COMPLIANCE WITH GA LAW. Please advise. XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Hello. My lease with Ally Financial was scheduled to end XXXX/XXXX/2016. I processed three 1-month extensions at the cost of {$320.00} each, which would have brought my new lease end date to XXXX/XXXX/2016. After I returned the vehicle on XXXX/XXXX/2016, I received a bill with {$690.00} in charges to cover " Daily Extension charges at {$30.00} per day for 23 days. Even though I paid {$330.00} on XXXX/XXXX/2016 to cover the final extension ( through XXXX/XXXX/16 ), Ally insists that my lease ended XXXX/XXXX/2016. On a call at the end of XXXX I was told that my last lease payment was short {$60.00} and therefore the money was returned to me and the lease was not extended to XXXX/XXXX/2016, and therefore I incurred {$690.00} in late charges. The problem is that I never received my {$330.00} payment that they said they returned from XXXX. I just spoke to another representative who let me know they they did receive my {$330.00} payment in XXXX, but that it was n't for yer extension and he could n't tell me if it was returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-28
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I previously co-owned a XX/XX/2014 mustang with My husband. We first had it financed thru XXXX but had recently had it approved to have it refinanced with Ally. Before our first payment was due for the mustang with Ally we decided to trade it in. I traded in the mustang the weekend of XX/XX/XXXX at XXXX in XXXX. It was way before my payment was due at Ally. I called dealership to let them know Ally was contacting me on not getting paid, I was told it would all go away once they received check. Ally reported XXXX bad marks on my credit and havent been removed even after car got paid! I have never made late payments with any car loans and this has made my credit score go down alot. Really not happy!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79763
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No