Date Received: 2016-08-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-01
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I will attach a detailed letter describing the fraudulent car sale involving XXXX XXXX XXXX XXXX 's employee ( s ) XXXX XXXX & Ally Financial. XXXX of XXXX, XXXX 's former employee ( s ) held 1-day tent sales at the local XXXX parking lot. My son was shown a 2011 Chevy Aveo & was offered {$7000.00} for his 2002 Chevy Silverado. They advised my son to test drive the car overnight & come back in the morning. During the tent sale, XXXX employee were having trouble getting my son approved for an auto loan suggesting he take the Aveo home overnight & come back in the morning. He was also advised to leave his 2002 Silverado at the XXXX parking lot. That night, the Aveo overheated once it would reach 40mph. We immediately contacted XXXX salesman whom advised us to contact XXXX XXXX in XXXX in the morning. The next day, we drove the XXXX back to the XXXX only to find the tent sale & cars gone as well as our 2002 Silverado was gone. We contacted XXXX, the salesman from the tent sale who then identified himself as living in Indiana & was only there under contract to help XXXX XXXX XXXX sell cars & we would need to contact XXXX Used Cars Dealership. For weeks we were given the run around from XXXX 's. We continued to contact XXXX from Indiana whom was no help assisting us in getting our truck back & the Aveo returned. XXXX called us a few weeks later in XXXX requesting we pay more money to secure an auto loan & pay MI sales tax. We were confused because Ally mailed us a letter claiming they denied approving my son for an auto loan. Later in XXXX, Ally mails another letter informing us that they Ally & XXXX XXXX of XXXX changed the terms & conditions of a loan. We contacted XXXX again whom advised us that the form we signed during the tent sale giving them approval to run our credit reports were used so to enter Ally & XXXX into new terms & conditions of a loan between them which of, Ally has refused in three years to provide us with the details of the loan terms. XXXX advised my son to make monthly payments of {$290.00} for 3 years beginning XXXX of XXXX. By XXXX, the car was taken to XXXX XXXX XXXX XXXX service center and again in XXXX whereas XXXX had possession of the car more than we did. We were advised to come pick the Aveo up claiming all service work was completed then soon after in XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX closed down due to their fraudulent car lot tent sales. My son has since paid the Aveo off paying over {$12.00} grand for a {$6500.00} car. Ally claims my son does n't have an auto loan with them but owes them over {$10.00} grand more for the original loan they Ally & XXXX XXXX XXXX changed without our knowledge in 3-yrs. XXXX XXXX of XXXX my son & the Aveo were involved in auto accident totaling the Aveo. Ally Financial has refused to answer requests now from the State of MI Insurance & Financial Serv., XXXX XXXX Claims depart involving the Aveo claim. XXXX XXXX ca n't make payment to Ally if Ally is claiming they do n't have an auto loan with us. So whom have we been paying and what terms did Ally change without our knowledge in 3 yrs? My son was discriminated against for being a young XXXX whom did not have credit because he was just XXXX & Ally Financial has caused financial injury to my son 's credit & preventing him from buying a new car to replace what he just lost. A Class Action Settlement was reached between the federal government & Ally Financial for their fraudulent car sales, fraudulent lending practices. My son is a victim of the same crimes he just was n't included in the current settlement suit. We are pleading for a resolution & for Ally Financial to be held accountable for their fraudulent actions including & involving XXXX Used Sales, XXXX XXXX. We pray for your protection so to prevent further injury Ally Financial is causing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Continued phone calls does not leave a message and when I answer they hang up. If you goes to voice mail they leave a message and no one talks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership. The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}. I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine! All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal. It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 108XX
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I leased a XXXX Jeep Cherokee through Ally Bank on XXXX XXXX, XXXX. The Capitalized Cost Reduction, as shown on the lease contract, was {$7000.00}. The Adjusted Capitalized Cost at the beginning of the lease, and the total amount financed by Ally Bank, was {$26000.00}. On XXXX XXXX, XXXX the vehicle was stolen and was later recovered with damages. The vehicle was then taken to XXXX XXXX in XXXX XXXX to be repaired. On XXXX XXXX, XXXX, the vehicle was involved in a fire at XXXX XXXX and was deemed a total loss. The lease contract clearly defines the Unamortized Capital Cost of the vehicle as being synonymous with the lease payoff amount prior to the end of the lease term. Using the formula provided in the lease contract, the lease payoff at the time of the total loss was {$25000.00}. On XXXX XXXX, XXXX, XXXX XXXX determined the Actual Cash Value of the vehicle at the time of loss as being {$28000.00}. On XXXX XXXX, XXXX, XXXX XXXX faxed Ally Bank a request for a Letter of Guarantee with a settlement amount of {$25000.00}. Rather than sending the Letter of Guarantee, Ally Bank stated that they would need to see the vehicle valuation report before issuing the Letter of Guarantee to insure that the settlement amount was for the full Actual Cash Value of the vehicle at the time of loss. Ally 's Total Loss Department claimed that, per the terms of my lease contract, the insurance company owed Ally Bank the full value of the vehicle so that Ally could replace their car. However, nowhere in the lease contract does it say in the event of a total loss that Ally Bank would be owed the full Actual Cash Value, the full Fair Market Value, or the full settlement amount paid by insurance. After receiving the vehicle valuation report, Ally Bank felt the valuation was too low and demanded the valuation be increased before they would issue a Letter of Guarantee. On XXXX XXXX, XXXX, XXXX XXXX provided Ally Bank with an increased vehicle valuation of {$29000.00}. On XXXX XXXX, XXXX, Ally Bank finally provided XXXX XXXX with a Letter of Guarantee stating that they would release the title of the vehicle upon receiving settlement a check in the amount of {$29000.00}. The settlement amount Ally Bank received for the total loss exceeded the lease payoff at the time of loss by {$4000.00}. While Ally Bank profited from the total loss of the vehicle, I was left with nothing to put towards replacing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I returned a lease car to Ally Financial / XXXX dealer on time after 3 years in excellent condition and low mileage. Always on time with payments. I received {$1300.00} bill for excess wear which are completely unfounded and fabricated. They did not give me a chance to fix what-ever they claim and did not inspect the car while we were present. They do not respond to my letter disputing the charges and say " either you pay or else ''. This practice is absolutely unethical and as far as I am concerned a consumer fraud. I also plan to file a claim with the Attorney General Office as well as filing a complaint with the Small Claims court. I would really appreciate it very much for any help or advise in this matter. Best Regards, XXXX XXXX. ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2016-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No