Date Received: 2016-02-09
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2016-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2016-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2016-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2016-02-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-07
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2016-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2016-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. Note : We wo n't charge you to receive a wire transfer into your Ally account. XXXX END ALLY WEBSITE INFO XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2016-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-04
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No