Date Received: 2016-06-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am a XXXX American I have been treated wrongly be Ally auto loans I have made XXXX payments to this company and they have added XXXX of extra fees amd late charges the currently have my vehicle out for repossession and say that I have only made XXXX payments and the rest of my money goes to there extra finance charges they sent people to my residence at XXXX and beat on my garage doors and make threats to me and my wife this company is very unprofessional and greedy I call in and no one can explain all these extra charges I can never get my account current because of everything they add in the charges get more and more
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2016-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-30
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2016-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-28
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: ALLY Financial continues to report an old, disputed account from a divorce dispute dating back to XX/XX/XXXX to XXXX. They sustained no loss when the vehicle was sold and the account paid in full and as a courtesy to a good ALLY/GMAC customer dating back to XX/XX/XXXX, I simply want this account deleted as it is not a valid picture of my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2016-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2016-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: We own a XXXX Buick Encore & the check engine light has come on for the second time. The tac meter is sticking & the gas pedal does n't want to accelerate. I worry that when i am trying to press on the gas pedal the car will just fly forward when I am trying to get it to go & cause an accident. The dealer can not figure out what it is??? Should this car be recalled for this? If any one else is having this issue??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2016-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No