Date Received: 2015-11-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.
Company Response: Company chooses not to provide a public response
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-15
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2015-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners.
Company Response: Company chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-12
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.
Company Response: Company chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2015-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.
Company Response: Company chooses not to provide a public response
State: OH
Zip: 44483
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice
Company Response: Company chooses not to provide a public response
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!
Company Response: Company chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.
Company Response: Company chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. Ally would never correct information to reflect positive account. Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. All transactions took place in XXXX Fl. The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. GMAC went out of business Ally took over their obligations. No one at Ally will talk to me to resolve this issue in the last seven years. Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. Clearly Ally never updated GMAC records as GMAC went out of business. I am left to carry the financial burden and negative credit bureau mis information.
Company Response: Company chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No