Date Received: 2016-12-03
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX at XXXX XXXX repossessed my XXXX XXXX XXXX under the direction of XXXX XXXX . When I called ally I was redirected to the accounting department. There I spoke to XXXX XXXX In the accounting department. She advised me. Ally wanted my exsize taxes early. They did not want to wait until the end of the lease, and since they could not legally hit my credit ; they held my payments for ten days, and rejected them. If I wanted to retain my vehicle I had to pay the excise taxes and the cost of repossession. When I reminded XXXX XXXX of my lease agreement, section XXXX paragraph XXXX, she stated regardless of what my lease says, they really expect those fees to be paid sooner than the printed agreement. I advised XXXX XXXX if that 's the expectation, they should put the expectations in my agreement. I also advised XXXX XXXX, the bank is illegally seizing my vehicle. The bank knew I was a contractor when I spoke to XXXX XXXX. I provided names of all temp agencies, dates of employments, contact persons, numbers, etc. I provided the name of the college in which I attend, and he understood why there was always a lap throughout the year. Why I am able to retain employment within a month or two. The bank has had plenty of opportunities to repossess the vehicle. I went on to say I found it interesting that a month after I advised the bank I would be suing for the ongoing harassment. The bank decides to reposse my vehicle. XXXX XXXX Operations manager ordered a " Do Not Call after investigating the reports of harrassment the resulted in my terminiation back in XXXX by XXXX XXXX . XXXX XXXX used threats and force to cohorse a payment which resulted in the loss of my job. She advised me if I did not make an additional payment of {$500.00} by XXXX she would reposses my car. I told her I would not have it by XXXX, but I get paid on friday, she can have it then. She told me no. No one helped her when she was sick, so she is not going to help me. It 's called life! XXXX or the car is being repossed. I went to my supervisor, and I asked to leave to figure out how and who I can barrow {$500.00}. from I got a call from the staffing agency thirty minutes later stating I was fired. XXXX XXXX is the same supervisor that oversees XXXX XXXX and XXXX XXXX, that engaged in the same harrassment in XXXX leading up to the reposession in XXXX when I was terminiated from my position at the bank. XXXX XXXX was fully aware agents were still calling my home, work, and personal cell phone number. She acknowledged the do not call was still very much active, and that agents should not be calling. She would consistently apologize, but nothing was ever done to prevent the calls. When I would return the calls agents would refuse to transfer my calls. Communicating with the bank was impossible at times. From poor documentation, to agents refusing to transfer your calls. They would say things like I do n't have anyone here by that name. I have over XXXX employees. When you give them a location and an extension they refuse to search for it. Then your account manager would say things like you have not returned my call. Well I know you can see the last agent in my account, down in michigan, which means i know you can see I returned your call. The agent refused to transfer me to you. You can never get to who you need to speak to without going through a hassel. If you communicate online they just redirect you to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2016-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2016-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2016-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2016-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-26
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2016-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a lease with Ally Bank. XXXX XXXX of XXXX, XXXX sent me a notice that I could get my lease pulled forward 4 months and they would pay for it. I agreed to this arrangement. I then bought a car from them. Two weeks later I had {$270.00} taken from the account set up to pay the lease to Ally. I immediately called them and asked them to return the money to my account. They told me I would have to get my bank to send the proper paper work to have them return the money. I called my bank. They told me to have them put the money back. After an hour and a half of talking to both banks my bank said they were just screwing with me and to tell them to put the money back. I did so. They told me they were holding the money incase there was circumstances that warranted them using the money for damages. They told me the car was going to auction and they would get back to me. I got a check from Ally for {$50.00}. I called to ask why I was getting this check. They told me it was an over charge from XXXX XXXX. About a week later I got a formal letter that said Account Settlement. Remaining Base Monthly Payment ( 5 @ {$270.00} ) Less - Unearned Rent Charge {$150.00}, Less- Surplus from Vehicle Sale {$0.00}, Net Remaining Base Monthly Payments {$1200.00}. Less - Net Remaining Base Monthly Payments {$120000.00}, Less - Excess Mileage/Excess Wear Charges {$210.00}, Less - Sales/Use Tax on Excess Mileage/Excess Wear Charges {$10.00}, Balanced Refunded {$50.00}. I had talked many different people at the bank. One said I would receive money back from the sale of the vehicle at auction. I would also get my {$270.00} back. I told them that they had done a poor job of getting the lease at XXXX miles where the seller of the vehicle knew the one to drive the vehicle had vision problems and would never use the vehicle for more than XXXX miles/year. I won the vehicle in a divorce settlement. I tried in the last year to drive the vehicle as many miles as a could. I went over XXXX miles in 9 months. 5 month pulled ahead and 2 months spent in XXXX not driving the vehicle. I was over XXXX miles under the XXXX lease miles. They told me that I had a scratch on the vehicle so they took {$21000.00}. I told them that I had returned the vehicle with no damage to XXXX. I also told them that I returned the vehicle with XXXX miles less on the engine, motors, paint, pumps, etc ... I told them I was getting a lawyer to settle the issue. The lawyer told me to call you because it would cost me way too much to use him. I would like to get the money back and money from the excess miles they charged me from XXXX to XXXX miles. One person in the bank talked to another person and told me I would get money also back from the auction. I know that that is not normal, but I have talked to XXXX people who have received money. I would be charged {$0.00} for every mile I would go over XXXX miles. I told them that I wanted {$0.00} for every mile I was under XXXX miles. Of course, they told me that that has never happened before. Is there anything that can be done in this matter?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54115
Submitted Via: Web
Date Sent: 2016-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a lease with Ally Financial for a 2012 XXXX. The lease payments were made in a timely manner and the vehicle was returned. There was damage and that was paid timely. There arose a dispute about the return of headphones with the vehicle in the amount of {$110.00}. That dispute continued for months with correspondence being exchanged. Eventually it wasnt worth it so the balance was paid. Ally reports now the {$640.00} was charged off, while at the same time saying that the account is paid in full. The charge off is affecting my credit. I have disputed it with XXXX but they have denied it because of Ally. I have contacted Ally who confirms the account is paid in full but they refuse to change the charge off. It is absurd to say they charged it off, the incorrect amount to begin with, and then acknowledge that the acoount has been satisfied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I was informed XXXX certificates of deposits were closed as being dormant, even though they were rolled over just this year. The funds were sent to the State of New Jersey, though the state has no record of the transfer. Not only did I not think the accounts were dormant, I received emails from the bank ( Ally Bank ) when they were rolled over saying, " The loyalty reward at renewal is automatic, you do n't have to do a thing. '' XXXX CDs had a rollover within the last calendar year, which belies the bank 's claim that the accounts were dormant for 18 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2016-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No