Date Received: 2016-09-11
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 60419
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: During XX/XX/XXXX-XX/XX/XXXX, my personal information was compromised. Ally financial attached an account on my credit report that is in collection and this is a fraudulent account. Ally is alleging that I made payments on said vehicle for a period of time which is a lie wherever the payments came from it was not me. They have no payment history showing I ever paid anything and I had XXXX bank account with no transactions to Ally financial. At any rate, they are claiming there is a balance due. I do not know what this balance is for. I never received any correspondence in reference to said vehicle. I have no idea where it is. This needs to be deleted from my credit report immediately as I am attempting to correct the wrongdoing. I spoke to Ally customer service who told me they have red flags in place for this type of thing. I was asked to fax over a police report and filing with the FTC which I did. I do not know why they are telling false stories and making up payment histories. They can not provide any documents in regards to this. If this were my account, I would have an idea of where the car is, what happened to it. I would like to know their method of verification. They need to delete this from my credit immediately as it is having a negative affect. I am desperately attempting to repair my life after such a stressful ordeal. Ally is flat out lying. There were never payments made by me. I have heard they have done this to other consumers in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2016-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-09
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2016-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-07
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have been adding extra money to my auto monthly payment and it is not being applied to the principle. Instead, they send me my next statement with a lower payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-04
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I am filing a complaint against Ally Financial for the unnecessary stress that I have suffered from this company. I have gotten my car three years ago and did not have an issue with Ally until this year. I took my car to the dealership where I got my car to have a tire patched. One of the salesmen asked me if I would be interested in trading in my car. I told him that he can run the numbers, but I was pretty sure that I could not trade the vehicle in due to the bankruptcy that was on my file. After the salesman ran the numbers, he asked me, " Are you aware that you have XXXX car loans from Ally? '' I told him that I should not have XXXX car loans with Ally, because I only have XXXX car. He told me to contact my bankruptcy lawyer and Ally to see what is going on. I checked my credit report and it clearly shows that I have XXXX auto loans with different amounts in each account. I called Ally XX/XX/2016 and asked them why I have XXXX auto loans after I sent them a message through the message center in which they stated that they can not discuss this matter through the message center. When I called and spoke with a representative at Ally, they told me that I only have XXXX account with them, but I told them that is not what my credit reports say. I looked at my old billing statements that I received before switching to pay online. It clearly shows XXXX different account numbers, but with the same VIN number of the car. Ally swears that I have only XXXX account with them and I gave them the XXXX account numbers that appears on my credit reports. They told me that they no longer use account numbers that starts with XXXX, and are using account numbers starting with XXXX. I asked them when did they stop using the old account numbers, because I have not received any notice in the mail stating that they were changing the account numbers. The representative told me that she can not give the exact date of the changes in the account numbers. I reviewed the details that were presented in my credit reports and compared the information that was reported by Ally in regards to the payments that I have made. There were several discrepancies with the information that Ally has reported compared to the credit reports and my bank records. I wrote a dispute letter to the credit bureaus explaining that the account number XXXX needs to be removed from my credit report. I also asked Ally to provide me with a copy of my contract with them. After attempts to receive a copy of my contract through the mail failed, I told Ally to fax me a copy. I took a copy of the payment history record of payments to Ally and compared it to my bank records. By doing the comparisons, I have discovered that Ally switched account numbers in XX/XX/XXXX. I even took the payment history to my bank and had the banker compare the number of payments. The teller said that the numbers were correct, however, I disagree with her, because it just does n't seem right to me. I have highlighted all the payments that I have made to Ally according to my bank records and what Ally states that I have paid. After reviewing the copy of my contract, I did not see in the contract that allows the bank to switch account numbers without notifying the party involved. From what I have read and reviewed comparing the information from XXXX banks and the credit reports, Ally has failed greatly for not informing the credit bureaus that the company will no longer use old accounts and in addressing the removal of old and the addition of the new account numbers. Not only has Ally failed to report this information, according to the credit report from XXXX, Ally has also not reported the correct amount of money that I have paid towards my car. I have tried to trade in my car several times due to financial hardships with no success. This was due to both accounts being removed after filing my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2016-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-01
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No