Date Received: 2016-06-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2016-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-09
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This is a follow up to a previous complaint against Ally Bank. I had taken out a car loan on a XXXX Cadillac Escalade through GMAC, at some pint to loan was assumed by Ally Bank. The loan was paid in full and I received clear title from GMAC. Ally claimed that I still owed them over {$4000.00} and made negative reports to the credit bureaus. After my last complaint, they sent me a letter stating they would remove all negative reports ( see attached letter ). They also generated a XXXX stating I need to claim the " write-off '' on my XXXX taxes. I do not. They are still showing on my credit as " derogatory ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2016-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-07
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Originally I leased my Dodge Charger from Ally financial the terms seemed pretty reasonable. That is when Ally stopped being customer friendly. I had gone through a financial tough spot in 2013, I was in constant contact with Ally about the payments making sure the lines of communication were up and payments were being made in a timely fashion. After I has sent in close to {$2000.00} towards my lease payments, Ally had my car repossesed out of my driveway!! I was in complete shock, thinking that Ally was a reputible company. NOT SO! When I finally got a customer service manager on the line, she was dishonest, rude and very disrespectful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2016-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Back on Sunday XXXX XXXX XXXX our leased auto was totaled in a car accident. Our insurance company paid the monies owed on the lease. According to an investigation by the State of New Jersey Department of Insurance Division of Insurance Consumer Protection Services Dated XXXX XXXX XXXX. " The driver of the vehicle that pulled out directly in front of us was found to be XXXX liable for the accident and damages sustained due to his failure to yield the right of way of traffic. '' It also appears that you have GAP insurance on your lease so you would not have incurred any additional fees. '' On XXXX XXXX XXXX ALLY FINANCIAL closed the account as Latest Status : Collection/Charge-Off with a balance of {$690.00} Closed - Derogatory We have sent several certified letters to ALLY Financial disputing this balance along with placed disputes with XXXX and XXXX. We would like this claimed balance owed to be removed from all credit reports and closed with paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2016-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-06
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2016-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2016-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No