Date Received: 2016-03-21
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchased a vehicle thru XXXX ( XXXX XXXX XXXX ) Dealer license # XXXX on XXXX XXXX 2016 I was financing the vehicle thru A company called XXXX. On XXXX XXXX the vehicle was repossessed thru Ally financial thru the old owners name, I have all of my paperwork that was filled out at the time of purchase and my registration in my name with my tag I transferred. Ive made numerous calls to both Finance companies with no hope in sight. XXXX XXXX XXXX is no longer in business so I have no where else to turn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78840
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-17
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: First, our vehicle account is financed thru Ally Bank & it is under my father-n-laws name. Due to financial hardship, we became 3 months behind on our truck payment, which was XXXX XXXX, XXXX & XXXX XXXX plus late fees. I forwarded an email to Ally Bank on XXXX/XXXX/XXXX regarding our Extension Options, they emailed me back on XXXX/XXXX/XXXX requesting to call them. I called Ally Bank on XXXX/XXXX/XXXX & spoke to a lady named XXXX @ XXXX ext. # XXXX & explained our situation & to see what our XXXX Options were. Being that we was 3 months behind, Ally Bank was ready to repossess our vehicle unless, according to XXXX, that we made a payment of {$620.00} that day, XXXX/XXXX/XXXX, which would be our XXXX vehicle payment & hold off the repossession & they would push XXXX & XXXX 's payments plus late fees to the end of the loan, so we borrowed the money to pay the XXXX 's payment through XXXX XXXX Speed Pay. After making the payment I called XXXX back to confirm that she received the payment. XXXX said it would take 24 hours to post & there would be an extension fee & it would take up to 20 days to process. XXXX gave me a confirmation number # XXXX for this completed extension transaction. At this point XXXX quoted me & my husband that our next vehicle payment of {$620.00} would not be due until XXXX XXXX, XXXX in which I paid on XXXX/XXXX/XXXX & I do have a confirmation & attached documents to prove & show you along with all of my notes, dates, names, numbers, etc. So last night on XXXX/XXXX/XXXX my father-n-law calls me stating that Ally Bank called him stating they wanted {$1000.00} +plus now & that I need to called them. This morning XXXX/XXXX/XXXX I called Ally Bank regarding why they was calling & why they was wanting such an amount of money? First I called XXXX, this number is off of their own Ally Bank website & first spoke with a " Rein '', she was wanting to do an extension with us?? Which was quite confusing & frustrating because we had already been approved for the extension in XXXX, so we thought. Once I explained to her who we spoke with & why I lost signal with her on the phone & I had to call back. The second time, I spoke with " XXXX '', once again explaining the agreement from XXXX, in a confession from this agent, the confirmation number # XXXX for the extension was applied to the wrong account!! Seriously!!?? So she said she needed to transfer me to an account specialist. This is the XXXX person we have spoke with this morning! So " XXXX '' who is on the phone now is supposed to be an Account Specialist in Collections, upon going through the whole explanation again & " XXXX '' also see 's that the confirmation for the extension was applied to the wrong account, she wasted no time in transferring me to " XXXX '' in which I left XXXX voice mails for her asking her to call me back!! So because Ally Bank messed this all up, no one there want 's to take responsibility in fixing this!! I got no where, I got no results & no one has called me back & they have my name, address & phone number!! We called for help, so we do n't lose our vehicle, without a vehicle, my husband ca n't go to work & pay our bills & then Ally Bank screws this all up!! Please, please help us!! Thank you!
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: 2016-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-16
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2016-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-15
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2016-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-14
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2016-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-14
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I made transferred money to my account and I was told that my account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2016-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No