Date Received: 2015-10-07
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.
Company Response: Company chooses not to provide a public response
State: UT
Zip: 84606
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle?
Company Response: Company chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am having terrible experience with Ally Financial. They are asking me to pay for damages that I am not liable for or is within acceptable wear and tear and also they have wrongfully reported negative remarks to credit bureaus. Not to mention poor customer experience and near harassing experience. It all started within couple of months of me signing the lease. I had set up auto payment but within couple of months they sent me past due invoice with few cents outstanding. I called them right away to find out what happened. They said some taxes/fees had gone up after I signed the lease. But they also said instead of changing my monthly payments that was already set, I can simply pay the total outstanding payment when I return the car. Since the amount was small I decided to hold on as suggested. When I finally returned the car to a different dealer, for several days I did not hear from them. I called Ally to find the status. They said they have not received any update from the dealer. I called dealer but they said they completed paperwork same day. I called them back, that 's when they said they have received it and will get back with final statement within couple of weeks. In the mean time, I received an alert from my credit monitoring service that a past due payment has been reported by Ally in the amount {$21.00}. I was shocked. At the same time, I received final statement by mail, I was even more shocked to see that they have listed XXXX damages and asked me to pay for them. I called them again to ask why it was reported as past due when I did not even receive final invoice and additionally it was already agreed that I will pay the small delta when I settle final invoice. I also told them I was aware of only XXXX scratch on the left rear bumper and that too was within the size of circle they said will be acceptable. I also told them the other damages I had never seen and I am sure they must have been caused during idle parking at dealer 's place when there was no action taken. They did not have any explanation and took it for additional research and said they will get back within within a week or so. I called them again after a week. Call got redirected to asset recovery and agent asked me how do you want to pay the outstanding balance without even asking what I am calling about. I told them I want to find status of dispute first before talking about the payment. Then the agent looked into records and said XXXX of damages has been waived but not the scratches on the rear bumper and on the front bumper. When I asked why, the agent was forcing me to believe the size of scratch was more than size of the circle as seen in the picture. I explained it was certainly not the case as I can also see the same picture. There were XXXX parallel lines of scratches, each less than the size of the circle but when you try to fit the XXXX lines in the same circle then they will go little more than the circle. I said I am aware of that but the contract clearly says size of each scratch has to be less than the circle size so why are they combining XXXX separate lines together. He said thats the final resolution. I asked what are my options to ensure the final resolution is impartial and not be same finance company. He did not provide any response to that. I googled myself to locate how to seek help in such situations where finance company claims to have final judgment and hence submitting this request to investigate and help. I paid every single payment on time, took very good care of the car. The additional payment was only few cents that the company agreed to be settled later and I am ready to pay when the invoice comes but still they reported to credit bureau. My payment history and credit rating has been XXXX If their contract said multiple lines of scratches will be viewed in combination, I would have fixed them too myself.Still I am finding it difficult
Company Response: Company chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I have filed for Chapter XXXX and was granted a discharge of all debts, including an Auto loan from Ally Financial. They are still reporting this loan as delinquent to a number of credit reporting agencies. Did send them a letter to stop reporting on this debt, but they will not comply.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2015-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-01
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I finally sit down and saw that my interest rate was high on my loan for the car that i 'm purchasing. Its a XXXX valued at XXXX when I finalized everything it came out as XXXX finance charges. Well I was thinking that was might step for that yr and amount and now I got a letter saying that they was sued and had to pay XXXX payment on the loan because of discrimination well I do n't believe it was color but I do believe it was unfair practices on their behalf. I think I could have gotten lower interest rate compared to someone with the same credit the difference was I already had a car loan out already. The company is called ALLY ....
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2015-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have had an auto loan with Ally Financial since XX/XX/XXXX. Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had leased a XXXX in XXXX for 1 year. The lease was then transferred ( thru GMAC ) to another person. XXXX is his first name. I was Never Late on this car, the lease was transfered thru GMAC ( {$500.00} paid by XXXX to do this ) into his ownership. I do n't know what happened at the end of the lease in XXXX, but this tradeline is being reported on My credit report, AS charge off, XXXX balance, derogatory account. Also lates are being reported on me in XXXX! XXXX, on a closed account for a vehicle I have n't owned since XXXX. This erroneous reporting is causing my credit scores to plummet, in turn causing my credit cards to close my accounts or slash my limits. Which then causes my scores to go even lower. This is turning into a viscous domino effect, I am pleading with banks that this is an error, however it does n't matter to them. They see derogatory language and scores dropping, and shoot first.. I have disputed this XXXX with XXXX, only to have GMAC respond by saying it 's valid. Scores continue to go lower. I have tried in Vain to get thru to GMAC, XXXX call centers, multiple transfers, no one ever calls you back. Request a manager same thing, the runaround, ask for an email, same thing the runaround.. Tell them that I am getting a letter a week from my creditors cutting or closing my accounts while they do nothing ... Does n't seem to have any impact. My XXXX XXXX XXXX scores have plummeted because of this errouneous reporting of someone else 's credit tradeline on my report. Fair credit Act violation number XXXX ... Thru my credit report I can see an account number and account that does NOT belong to me. violation # 2Because I am in the XXXX, I have XXXX of how the credit system works. I pulled my own XXXX credit report, thru my company to confirm this incorrect tradeline. Every year we must renew our state licenses in any state we do business in. XXXX of those states Florida also does a credit check, as we are held to minimum standards in or to stay in business, and earn a living. This renewal period is fast approaching, and If I have any trouble renewing my license this error will also be affecting my income. Fair credit reporting Act violation # 3Again I hate to go this route but have gotten NOWHERE with GMAC and Experian disputing this faulty information. This is a very simple explainable situation in the right persons hands. This GMAC tradeline in which the account number XXXX is XXXX ( the person the lease was transferred to ) account. REMOVE THIS INCORRECT DEROGATORY account from my credit report IMMEDIATELY!!!!!!!!! I am very patient and have a long fuse, but this situation is getting out of hand. I am absolutely the last person you want to screw with on this matter. I am a bank loan officer who looks at credit every day all day for borrowers, Not some schmuck uninformed retail person caught in the cogs of the machine. I expect to hear back on this immediately. I can provide you a professional credit report on myself showing this incorrect tradeline. ( Again someone else 's derogatory Personal information ) on my credit report. I have not owned this vehicle since XXXX, yet XXXX is strangely reporting me late last month, on this closed ( since XXXX ) account ... ... Total non-sense.. I want this deleted Immediately, Electronically,, asap before any more harm is done to my credit or credit lines ... I will be more than happy to discuss this matter with anyone of authority from any of these places. GMAC is 100 % in the wrong here, not only on their sloopy reporting, but their lack or corrective measures once they were made aware of this inaccuracy. My cell XXXX am having financial issues with all my banks and credit cards, due to faulty reporting.This is a huge pain in the XXXX, and every resasonable attempt I have made to resolve this goes NOWHERE.
Company Response: Company chooses not to provide a public response
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.
Company Response: Company chooses not to provide a public response
State: KS
Zip: 66048
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I contacted Ally Bank XXXX Ally.com XXXX about how to opt out of having the bank cover an overdraft with an ATM fee and thus opt out of related fees. They told me there is no way to opt out of having the transaction covered ( and also told me there 'd be a fee ). This seems to contradict the law -- as well as Ally 's own website. Below is the chat session ( please note my real name is not used in the chat session -- I do n't want my real name published on the CFPB website. Plus, I was asking the question on behalf of my brother, who does n't have an account with them, and i did not want them to answer the question specific to my account ) CHAT SESSSION BELOWWelcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you in a moment. You are number XXXX in the queue. Thank you for waiting. You are now chatting with XXXX : Thank you for chatting with me today. How can I help you? XXXX : Hi, chatted a second ago about opting out of having a debit card transaction go through if there is not enough money in the account to cover the debit card transaction. You ( someone at Ally XXXX said there was no way to opt out of this and also no way to avoid a fee if using the debit card were to overdraft the account. Are you sure about this? My XXXX understanding of the law, from a webpage ( not a lawyer ) is this : XXXX : Remember to wear black XXXX XXXX, because that 's the day the infamous {$35.00} XXXX may finally meet its demise. From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. Overdraft protection is a service offered by banks that allows checking account holders to temporarily make purchases with a debit card even if they do n't have sufficient funds in their account to cover them. In effect, the bank makes a shortterm loan to the account holder so his debit card is n't declined at the register or an ATM machine. In return, the bank charges an overdraft fee of {$10.00} to {$35.00}, according to an informal XXXX survey. " ( The new law ) puts the decision in the hands of the consumer as to whether they want overdraft protection for smalldollar transactions conducted by ATM and debit card, '' says XXXX XXXX, XXXX and XXXX 's senior economic analyst. Read more XXXX XXXX # XXXX Follow us : @ XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX Yes. I advised you that you can place overdraft protection on your checking account if you have a savings account to set that up. I apologize if I was unclear about this earlier, XXXX. XXXX : Yes, you advised that. I do not want overdraft protection of any kind. I want the transaction denied. According to the bankrate website, that is my right by law. I wanted to check if indeed you give me the option to opt out of any overdraft ( as the website suggests is the law ) and how to do it. XXXX XXXX : I 'm sorry for the delay. I 'll be right with you. XXXX XXXX : It states that this would be the consumer 's decision, not that the bank has to offer it. We provide a wayto avoid overdrafts and it is up to you to choose if you want to use them or not. XXXX : " From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. " XXXX : That seems prettty plain that I have to opt in to pay an overdraft fee! XXXX : Do you have a manager? XXXX XXXX : I do have a manager. XXXX moment while I get XXXX on the line for you. It make take 35 minutes to get them on. I apologize for the wait. XXXX XXXX : They are trying to get their system up. It will be a few more moments. XXXX XXXX : Unfortunately, my manager is not able to get their chat program up. Would you be willing to receive acall from them? XXXX : Can he come to your cmputer and chat? XXXX : If not, I might simply turn this chat window o
Company Response: Company chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No