Date Received: 2016-01-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2016-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-28
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?
Company Response: Company chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: . I have a disagreement with XXXX XXXX over a collection matter. I traded in my XXXX Chevy Cruize Lease on a XXXX Chevy Cruise. Ally Bank financed the XXXX Cruize XXXX XXXX XXXX XXXX in XXXX, Pa. In short Ally has recentlt sent correspondence that I owe for Damages on my return car. Both I and the dealer had verified that they saw no damages. I contacted Ally and they said i could see Damages on line. As sheets attached show I was unable to get on line. They do not show My car in the section that they claim I can see the damages. I explained that the DEALER SAID THERE WERE NONE AND ASKED THEM TO CONTACT THE dealer. Also, in a call they said I could pay by credit cardif I chose ( I have no cash ). They said I could go to the dealer and view the photo 's. They REFUSED to MAIL me photos. They said I could then either pay with my credit card at the dealer OR call back and give them my credit card info. I went to dealer who once again confirmed that it is their policy to MAKE A FILE on any damages to a vehicle lease turned in. They said if there inspection does NOT find any damage they DO NOT MAKE A REPORT FILE. They said it was over a week thbefore the XXXX representative came to get the car. The Dealer had the car for warrenty Engine repairs and thats when I agreed to a new lease so the dealer had car on a lift etc to do repairs yet had NO Damage report to body as alleged by Ally and they REFUSE to send paper photos. Dealer said contrary to Ally claims THEY DO NOT HAVE ACCESS to Ally bank Photos, Nor could they accept credit card payment even if they did. So Ally misinformed me. Since the matter is in dispute Ally REFUSES to contact the dealer, instead calls threatening me to turn over as a unpaid bill the amount to credit reporting agency 's. They call on weekends and late at night. Yesterdy for instance I told the collection agent of Ally that they are FORBIDDEN BY FED LAW to create an adverse credit report while matter is in dispute FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. The requirements for meeting debt validation are not tough. However, it 's not enough to send you a computer-generated printout of the debt. If a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact you about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that you can sue for {$1000.00} in damages for any violation of the Act. THE COLLECTION AGENT would not listen to me wanted to hear nothing about my correspondence and insisted their contract was the guide and Fed law DID NOT MATTER. Said that it was/is going to the credit reporting agency and my credit will be ruined. I tried to argue she could not do that under the law. She was arrogant and insisted she could. I point out that even if there were some damage ( and i deny any ) their Lease turn in rules state that NORMAL WEAR includes Scratches that can be Buffed out during Reconditioning. Certainly even if dust or road dirt were covering such a scratch the DEALER OR I wouls have noticed any DENTS as I believe that XXXX claims existed. I relied on the dealer when I took the new lease. If dealer had said there are
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: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-28
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future. I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor. XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX. I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-26
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I wish be part of the Ally settlement which ended on XXXX/XXXX/15. I contacted the settlement administrator at ( XXXX ) via email at ( XXXXXXXXXXXX ) and informed them that I just learned about the settlement and never received a package because I moved from the addresses it would have been mailed to. They told me there was nothing they could do and I think this is unfair and should be reconsidered based on my circumstances. My husband and I had several loans with Ally and wish to be compensated. I have written proof my XXXX loans with Ally and they will be attached to this complaint.
Company Response: Company chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.
Company Response: Company chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2016-01-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!
Company Response: Company chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.
Company Response: Company chooses not to provide a public response
State: IL
Zip: 60510
Submitted Via: Web
Date Sent: 2016-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2016-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-20
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I paid my car loan off and reviewed my credit 3 months later and they show I was 30 days late on a payment when I was n't. I actually had automatic pay setup through my bank. I have sent ALLY the bank statements showing that the payments were made but they will not correct on my credit. I have disputed through the credit agencies and ALLY keeps turning it down with the documentation. This late payment is stoping me from getting a job that will help me support my family in a better way. Please help me I can provide the documentation supporting that I was n't late. I call in to Ally and ask to speak to a manager and they wo n't let me. Ive been hung up and basically told they do n't care. Please, please help me.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No