Date Received: 2016-05-03
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that. So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I am filling a complaint for the past due dates reported to the Credit Bureaus from Ally Bank on account # XXXX. My credit score went from XXXX ( checked on XX/XX/XXXX ) to XXXX ( checked on XXXX/XXXX/XXXX ). This negative reports from Ally is unfair and done in error. I will explain to you what happened : I first went to this dealer ( XXXX ) on XX/XX/XXXX and I leased a XXXX Buick Enclave for 39 months with Ally Financial as the bank. My lease was about to expire and I visited the dealership on XXXX/XXXX/XXXX for a buy-out. I had a last payment of {$350.00} towards my lease due on XXXX/XXXX/XXXX but at the dealership they said that I did not have to make that last payment because it was going to be included in the new financed amount. We closed the deal and I got my new loan with Ally Financial as well. A few days later ( XX/XX/XXXX or so ) I got an e-mail from Ally Financial regarding my last payment towards the lease ( XX/XX/XXXX deal ). I called the Finance Manager from the dealership ( XXXX ) and he told that the paperwork was still in the process to be updated in their system and not to worry about it. Then a week later I started receiving calls from Ally Financial trying to collect the last payment on the lease ( XX/XX/XXXX deal ), I explained to them that I went to the dealership for a buy-out on XXXX/XXXX/XXXX and that I did make that last payment because I was advised by them that amount was going to be included in the new deal. I then called the Finance Manager XXXX again and explained to him what was going on. The calls kept coming and I went to the dealership again on XXXX/XXXX/XXXX and spoke with the Dealership Manager ( XXXX XXXX ) and explained to him what was going on. He said that the Finance Manager XXXX was not there and referred me to Finance Manager XXXX XXXX who promised to pulled my file and give me an update Monday or Tuesday next week. I spoke with Finance Manager XXXX on Tuesday and he said that by pulling my file he noticed that there was something that needed to be fixed on their end, that he was going out of town but Finance Manager XXXX was going to take care of it next day. On XXXX/XXXX/XXXX I checked my credit reports online and Ally Financial did report me. I then e-mailed Finance Manager XXXX on XXXX/XXXX/XXXX with the report copies and asked him to help me and as of today he never answered my e-mail. On XXXX/XXXX/XXXX I called Finance Manager XXXX and he said that if they were going to pay for that last lease payment that he needed to see a bill. I sent him said bill ( late fees included ) via fax to XXXX as he told me to do. It was not until someone at Ally Bank started contacting the dealership that this problem got solved ( by the end of XXXX XXXX ). They were able to finally collect that last payment from the dealership ( since they never included same in the new financed amount when the buy-out was processed ) but my credit got hurt in the process. While they were trying to collect this last payment from the dealership, they kept reporting my account to the credit bureaus as past due. I contacted Ally to try to solve this but they said than they had to report me to the Credit Bureaus because even though the payment was not suppose to come from me since the dealer 's finance department made a mistake at the time the new loan was created, I was the one liable for the account. I want Ally to correct the information reported to the Credit Bureaus and also, if possible, send notices of corrections made to my credit report to anyone who received it in the last six months including myself. I care very much about my credit and has always fulfill the debt obligations I have gotten into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Good Morning, In XXXX XXXX I reported to ALLY financial that I was filing for Chapter XXXX Bankruptcy. I provided them the name of my attorney and paid the attorney for bankruptcy. The attorney and I met and there was needed documents ( Taxes, Income Statements from my divorce ). In short the bankruptcy was delayed. ALLY then tried to take advantage of this window and turned over the collection of this debt to a third party. ( XXXX ) XXXX XXXX XXXX. XXXX knowing the they had a small wind to recover the XXXX employed tactics that frankly I have never heard of in 46 years of existence. First, Somehow they got my sister address. They showed up in the middle of the night at my sisters residence and demanded that she produce the XXXX. Mind you my sister had no idea what we they were talking about as at this time she was unaware that her brother had to file bankruptcy. When she ignored their written demands, they peppered her and her neighbors yard with red and white flyers that read " XXXX case number XXXX '' they hand wrote comments on the flyers saying " WE NEED YOUR XXXX '' " Why wo n't you call '' ETC ETC. The problem is that my sister had no knowledge of my bankruptcy filing. Shortly thereafter, I contacted a local attorney XXXX XXXX XXXX for assistance. After intentionally committing third party disclosure under the Fair Debt Collection practices act, They then received a call from me telling them that the debt was being filed in bankruptcy court. They stated to me that until the court accepted the case, they could use whatever measure needed to recover the car. I told them that was fine but they were not to harass my family. I must say they heeded this advise and to date have not contacted my sister nor Parked there tow truck behind her vehicle or called upon her neighbors again. Instead ... .. Somehow, the got the address of an old girlfriend. On XXXX XXXX XXXX they showed up at her home and threw red and white flyers all over her driveway. It being a windy morning many of these flyers ended up in yards throughout the neighborhood. These flyers stated " XXXX XXXX UNDERLINE BIG BOLD PRINT " XXXX XXXX XXXX XXXX NEED XXXX '' PHONE NUMBER XXXX NO NAME ATTACHED. Needless to say, this was the straw that broke the back. I received a call from my old girl friend. She was not happy. She gave me the phone number to all of her neighbors that she knew and asked me to call them all to explain to them that she is not in debt to anyone. She further requested that I come and clean her yard of all of the flyers as she has a XXXX and is unable to do so herself. I beg the Consumer Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they have gone unchecked by anyone and believe they can violate federal law at their leisure. I beg of you to require them to honor the law. I beg of you to insure they follow the law and further I beg of you to protect future consumes from their practices. XXXX XXXX Ga XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30577
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-25
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have an account on my credit report 10 years old. the company stated there was some activity on the account in XXXX. They keep trying to say account is unpaid and they sent me a letter in XXXX stating it was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-21
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes