Date Received: 2016-04-08
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me.
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: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have a CD maturing at Ally Bank in 2 days. I called to renew it. XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? I suspect they are lying on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-06
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. " XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-02
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. This item Ally Auto Fiancial is inaccurate because of the following reasons ; Kindly take a moment to review the enclosed copy of the letter sent to the above named agency on XXXX/XXXX/XXXX, which they have yet to respond to. As illustrated in such letter addressed to Ally, I am being held responsible for a balance I am no longer responsible for due to negligence on their behalf in many dimensions. To begin, the mentioned XXXX Mazda 3 vehicle purchased at XXXX XXXX XXXX in XXXX XXXX was financed through Ally. Ally and the assigned financial agent at the auto dealership had me return to re-sign the purchase agreement documents twice after the initial contract/taking the vehicle out of dealership grounds. Making it a total of 3 times Ally required me and my cosigner to return and redo the financial agreement paperwork. As a professional and experienced lean holder, Ally failed to ensure the vehicle was appropriately insured XXXX continuous times before removing the vehicle off of the dealership grounds. As a first time car buyer, and as a guarantee to the lean holder, it is in their policy to make sure I the buyer obtain appropriate insurance coverage before even signing the finance documents and take the vehicle home. Ally failed to do this XXXX consecutive times. On XXXX XXXX, XXXX I was involved in an automobile accident on the XXXX XXXX of XXXX XXXX. and XXXX XXXX XXXX. in XXXX XXXX XXXX, FL at approximately XXXX. This event occurred when an unconscious driver rear ended my and XXXX other vehicles at a recorded approximate XXXX-XXXXmph while at a red light. Causing my vehicle to be declared at a total loss per XXXX XXXX XXXX XXXX appraiser. ( insurance carrier of at fault driver ) Following the hospital visit, of which event has left me with XXXX in XXXX and XXXX in my XXXX, the claim process began where because of Ally 's negligence to perform typical procedures as a lean holder, the Gap insurance Ally insisted I obtain at the XXXX signing, did not serve its purpose, leaving me with a {$15000.00} debt now affecting my personal credit. The reason why this should not be held against me is because Ally failed not only to ensure the vehicle had proper coverage but they failed to submit appropriate financial agreements 3 times as well as the main issue here which was surrendering the vehicle and title of ownership to XXXX XXXX XXXX XXXX despite my request for Ally NOT to do so because this agency was not paying the car loan. I stated that I wanted to get the vehicle fixed with the monetary compensation of {$7000.00} towards repairs/loan balance, and I would continue paying my monthly car payments. I strongly emphasized that the insurance adjustor XXXX XXXX from XXXX XXXX was not performing his job with integrity and that he was not to obtain any releases for the vehicle nor the vehicle title because he was not paying out what was owed and I did not want to be left with the remaining debt. I clearly stated " do not release the vehicle nor the title, I will get the car fixed and continue making payments '' Despite my strong and clear emphasis, Ally failed again, and released the vehicle title and vehicle to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX . In addition to this, legally, per insurance fraud special investigation unit consultant ( name of agent available upon request ) I did not own the vehicle nor did I have title rights, therefore Ally acted at their own judgement as sole owners of this vehicle. What XXXX XXXX XXXX did in efforts to obtain this vehicle on behalf of his employer and ultimately sell it at an auction was unethical, and illegal. Hav
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No