Date Received: 2016-05-17
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally financial continues to call and harass me after I 've already spoken with them today and come to a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: The FINANCE CHARGE that Ally is charging is OUTRAGEOUS!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: In XXXX 2016, Ally Financial was contacted by the Consumer regarding intentional delayed credit reporting. The Consumer discovered on XXXX/XXXX/2016 Ally Financial did fraudulently and knowingly falsify consumer credit reporting by using inaccurate balance data and the date of reporting to distort credit score increase in favor of Consumer ; Example : On XXXX/XXXX/2016 Ally Financial claims on XXXX Credit Report, the report submission date was XXXX/XXXX/2016 and the consumer auto balance was {$37000.00} which is false data for XXXX/XXXX/2016, thereby proof that 60 calendar days had elapsed as the Consumer 's balance fell to {$37000.00} as result of a XXXX/XXXX/2016 payment. From XXXX/XXXX/2016 to XXXX/XXXX/2016 Ally Financial did fraudulently, willfully, and knowingly falsify the Consumer 's XXXX Credit Report by reporting a balance of {$38000.00} ( did not happen until XXXX/XXXX/2016 ) and skipping altogether a balance of {$37000.00} ( which happened on XXXX/XXXX/2016 ). Ally Financial has intentionally used false/delayed credit reporting tactics repeatedly against the Consumer in order to intentionally mislead/depress credit score increases that occur naturally with aging of account life and decrease of balance. Further, the reasoning for the above-mentioned illegal credit reporting tactics by Ally Financial serves to delay credit score increases whereby the Consumer could either refinance the auto loan at a lower interest rate or change to another more reputable lender altogether.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2016-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-09
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I am well aware that I fell behind on my car payments and do not need someone to tell me repeatedly about the damage it does to my credit, etc ... I am an educated person and do not appreciate condescension. I explained to my car loan company that, as a freelancer, I had the worst XXXX of my career and fell behind on all my bills for 2 months. I told them now that I was working steadily again that I would make a large payment, and I complied with that. Then I told them that I knew I was falling behind again and owed some more, but that I would need until mid-May before I could bring myself, at last, completely up to date. They said they would notate that in their system and thanked me for making the arrangement. However, they have continually called me since that agreement was made, usually up to 4 times per day. I have even answered a few times, asked why they continue calling me, and they simply say it 's the automated system and they have every right to continue calling me. But 4 times a day? I think not. I especially think not when they have said to me that they do have my agreement in their notes. What do they think? That by calling me repeatedly I will suddenly have money for them? It is absolute harassment and it must stop. They are the only place that has continually called me after having made an agreement with me. All other places accepted their respected agreements and stopped calling me. And, thus, their agreements were fulfilled and they did not need to call me again. But Ally Financial must be stopped from performing this harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74115
Submitted Via: Web
Date Sent: 2016-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I am in the process of buying a home and will be making several high debit charges for money orders and certified checks. I contacted Ally to increase my debit card balance. I was told by a representative that a request would have to be submitted and that the review takes 3 business days. Also, I was told that this increase would be temporary and that the debit card increase, if approved, would only last 3 days. This is problematic because the XXXX debit will be 7 days away from the XXXX debit. This policy will likely result in me not having access to my funds and will delay my closing which in turn will cost additional expenses for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Financial is reporting to the credit bureaus that I owe them {$6600.00} based upon an account that I has with them over 7 years ago. I disputed that balance with the credit bureaus, but the credit bureaus told me that Ally Financial said they think the debt they are reporting is legitimate. I firmly believe that I have no outstanding balance owed to Ally. I have contacted Ally Financial for some time now, requesting that they supply me with a detailed explanation of the charges they are reporting, which constitutes the {$6600.00} balance they are reporting that I owe. They refuse to send that information to me. I believe it is completely unfair for them to continue to report I have an outstanding debt without supplying any sort of explanation of where this balance came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I bought a XXXX Chevy Silverado around XXXX XXXX. The 72 month contract had the terms listed and showed I would pay {$6500.00} in finance charges over the life of the loan. As of 3-4 months ago, and after manually adding all finance charge made on the loan, I 'm well past the {$6500.00} and I still have over a year left to lay on the loan. I 've made payments well above and beyond the monthly contractual amounts, but Ally keeps taking out finance charges. For example, my account is now due for the XXXX/XXXX/XXXX month payment. They have told me on several occasions that if I make an additional payment on my account, even if I want it to go to JUST principal, they will take finance charges out of it anyway. At this rate, I will be paying nearly $ XXXX- {$8000.00} in finance charges for the life of the loan. The initial disclosure of finance charges was so far off. I was mislead and my account is being mistreated. If my account is up to date AND is n't due for for another 5 months, I should be able to clearly make JUST principal monthly payments!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2016-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No