Date Received: 2015-09-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. please help to correct this error it is effecting my credit and ability to refinance.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I spoke to a rep at Ally, I explained to this rep that we had record breaking snow in the area which had caused me to miss work as well as other personal issues. He assured me all I had to do was make a {$100.00} dollar payment ( remainder of last month 's payment when things got tight ) and pass in the extension paperwork. I did everything I was supposed to do exactly when I said. In the coming weeks I continually checked in with them to see if they had received the paperwork. They never had any information just stated to stay on top of the situation as you have been. After I had made my next month 's payment it appeared as though the extension was filed properly as it showed I only owed one month 's payment.I spoke to reps between here and sent over paperwork multiple times.I then found out one of my childhood best friends had XXXX XXXX. So I spend what little money I had to get her a service dog to try to help out. As a result I missed my XX/XX/XXXX payment. I then spoke to a rep toward XX/XX/XXXX or XX/XX/XXXX, XXXX. She was nice and helpful and advised me to take a 60 day extension. I explained to her I wanted my XX/XX/XXXX extension retroactively honored as it should have been as I had gone above and beyond.I fully admitted to being short for my XX/XX/XXXX payment and wanted an extension for XX/XX/XXXX so in XX/XX/XXXX I could make up XX/XX/XXXX and be back on track. She basically said it was n't possible and I told her before I commit to any 60 day extension I want to be sure that my credit will be fixed. She offered to transfer me over to her manager to have me inquire there, so she did and I left a message. I received a voicemail at work the following day to which I called back and left another voicemail. I then did n't hear back from anyone for weeks. Of course, the calls start again around my due date with a different person every time who has no idea of the situation. From there I 've been in contact with a horribly abrasive, aggressive woman named XXXX XXXX. XXXX not once alluded to feeling poorly about the situation I was in as I have done everything every past rep had instructed me to. She had a very judgmental tone to her and she was very rude. She has caused further stress in my life in an already terrible time personally. She advised me to take a 60 day extension and assured me my credit would be updated as current. She stated that the letter would say I had 20 days but I really needed to get everything done faster. I explained I would get a payment in on XXXX/XXXX/15 ( we spoke on XXXX/XXXX/15 ) as I was under the assumption I was getting paid for my part time job I had just started. I was unable to pay but per the extension letter I have until XXXX XXXX, 2015 to get both payments in. I spoke to her today and she stated that she did n't know if I 'd have my car on XX/XX/XXXX when I get paid from my full time job to catch up. She 's also refused to send me my records upon request as furnishers of the credit have to do, to my understanding, under the Fair Credit Reporting Act. They claim to record and notate all calls yet refuse to send me my records, does n't listen to anything I say, then she threaten to repossess my car although I 've explained to her and many other reps I was not late in XX/XX/XXXX they just did n't file my extension and it 's been destroying my credit. I should be late from non-payment in XX/XX/XXXX, of which I wanted to make up in XX/XX/XXXX and file a deferment for that month. Someone who has paid faithfully and filed for extensions when they ran in to problems should n't be treated the way I have been. XXXX XXXX is the epitome of unfair, deceptive and abusive. I truly have n't felt as though I should pay until my credit is fixed but I have until I ran into personal problems of late. Everything that I 've stated is recorded on every single one of the XXXX or so calls I 've had
Company Response: Company chooses not to provide a public response
State: MA
Zip: 02050
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. Now GMAC is reporting a $ XXXXpast due balance on my credit report
Company Response: Company chooses not to provide a public response
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 86001
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-28
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-28
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..
Company Response: Company chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-25
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. After getting off the phone I canceled the two scheduled online payments. I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.
Company Response: Company chooses not to provide a public response
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2015-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-24
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.
Company Response: Company chooses not to provide a public response
State: UT
Zip: 84606
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No