Date Received: 2016-09-29
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: When my vehicle lease was coming due, I requested a copy of the contract the leasing company had, and I was shocked to find that it was not the contract I had signed. I 've compared both and its apparent that my signature and initials are forged on a contract I did not agree to. I disputed the charges and the leasing company agreed to lesser fees, but they left a derogatory item on my credit, making my credit score plummet. It is unfair that a contract I agreed to was discarded and a forged one was submitted - and instead of those responsible suffering, I 'm the one who suffered. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. The problems with the subsidiary GMAC Mortgage/XXXX XXXX. I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-28
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2016-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2016-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-22
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No