Date Received: 2015-09-19
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I applied for a Ally Bank online savings account. It was denied in an Ally letter with words " unable to verify applicants identity ''. There was NO information error in my application. I supplied an email address that I 've had for 14 years, a telephone number that I 've had for 17 years, a street address that I 've had for 38 years, and a social security number that I 've had for XXXX years! Ally noted in this refusal, that I was checked by XXXX. I requested my report from XXXX and received the report. An internet search reports this about XXXX : XXXX, the company that essentially does for checking accounts what FICO does for credit cards, stays relatively opaque. What XXXX does is keep tabs on any missteps in your checking history -- problems with overdrafts, or bounced checks, to name a couple. And when you want to open a new account, the bank will do a quick look at your XXXX record to see if you 've behaved well. XXXX will tell your bank whether to accept or decline your business. In my report, a section discusses accounts that have been mishandled, reported for cause or outstanding debts. In that section of my report, XXXX says " no information found ''. In other words, no problem accounts about me found. Under " inquiries initiated by consumer action '' XXXX named XXXX banks that I have present savings accounts with, that I have no problems with, and that I did not name in the Ally bank savings account form, because Ally did not request that information. So XXXX clearly located my accounts, clearly tied to my social security number. Under " social security number validation '', XXXX reported " XXXX became available for issuance in 1960 in XXXX '', in which both the date and the location ( Alabama ) is correct. So it is painfully obvious to me that there is nothing in the XXXX report that indicated " unable to verify applicants identity ''. That had to be an Ally decision. I called Ally customer support telephone number XXXX times and online chat once. In all three cases they could not explain why my account was denied, and they REFUSED to connect me with anyone at Ally that could answer my question. Just today, I pulled my free annual credit report from XXXX. It was flawless. In summary XXXX reported : There are XXXX potentially negative items in your reportYou have XXXX accounts in good standing in your reportAlly does not require a minimum dollar amount to open an account, but did request how much I planned to deposit. I said {$23000.00}. Apparently my money is not green enough for Ally. I did a search on " Ally bank application denied '' and found many pages of examples of other people being denied such accounts. It is becoming clear to me that Ally trolls for new accounts, and spends little to no effort in investigating any problems in such applications. The Ally directive is just get XXXX applications, throw out XXXX with no investigation. And stonewall anyone who tries to get clarification from Ally banking officials. It is becoming very clear from this lack of response and stonewalling, that this is not a bank that I want to deposit XXXX ( or XXXX ) of XXXX of dollars with. So I ask " does Ally have any concept of the destructive bad will they are creating? ''
Company Response: Company chooses not to provide a public response
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2015-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame
Company Response: Company chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Contacted Ally Bank for Payoff of XXXX Chevy Equinox, I was quoted {$25000.00} on XXXX XXXX, XXXX ; which was good thru XXXX XXXX, XXXX. I made my XXXX XXXX car payment which was {$570.00} because I was not sure if my credit union would approve my refinance application. I was approved by my credit union I overnight mailed the payoff check for {$25000.00} on XXXX XXXX, XXXX. When I contacted Ally about the over payment they said my over payment was only {$29.00}, but the account is showing the next payment due is {$570.00} on XXXX XXXX, XXXX. I would like for Ally to refund the full over payment balance on this account. I also was concerned because I felt like they were charging me additional fees on this account and the payoff balance should of been closer to {$23000.00} that is why I refinanced the vehicle.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it
Company Response: Company chooses not to provide a public response
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-15
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events. Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-15
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.
Company Response: Company chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-11
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.
Company Response: Company chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2015-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a called from my mortgage broker telling that a charged off had just appeared on my credit bureau. This was a shock because I have been planning to buy house for the last 3 weeks and he had been checking my credit score to monitor any issues. In fact we were ready to apply for final funding approval when this came up, he told it was for a car loan with Ally bank. I said that was n't impossible because I have a car loan with them now that is current. in fact it 's a lease and they have not said a word about anything being behind. He told me it looks like a old car loan, not my current loan witch I got XX/XX/XXXX. I told him that my old car was totaled and a condition of the new loan was that the old loan was to be paid off plus I had gap coverage on the old loan. So I thought it was just a simple mistake. I called Ally at XXXX CST. I got their greeting message telling me their hours, and that they would be open for another 2 hours. I made the selection to send me to the correct department so that I could talk to a rep, and I was disconnected after the phone rang. So I called back again with the same results. I call again but this time I went to non-charge off department that has my current loan. The rep told she could not help me she would have to transfer me to the charge off department, and she would warm transfer me to them. She was also hung-up on. I ask to speak to the executive complaint department. She said they did n't have one, that each department had to handle their own complaints, and what I should do is call back tomorrow. I ask to her to please note my account has to why I called and what happen with the call, she agreed she would. On Saturday I called back at XXXX the message told me their hours which was XXXX on Saturdays. I selected the correct selection to speak to rep. I received a message telling me they were closed. I tried again and got the same message. I called on Tuesday after the holiday on Monday, and after I explained to the rep what had happen and that I wanted to pay the amount in full but I needed taken of my credit because I was not notify that the was a deficiency balance on the account, she said would not fix the bureau. I ask to speak to her boss who told me it would be against CFBP rules to remove charge off and I was my fault for not know that there was a balance. I said how I would know if a condition of my new loan was that the old was paid off. I told I have getting statements on my new loan but not on my old loan. He said they were mailed and its not his fault I did n't get them. I told what happen on Friday when I called, he said they closed early for the holiday. Then I ask to speak to the executive complaint department, he said he would warm transfer me. I was hold for a little than he came back and said no one is available to speak to me, that they were busy. I ask for the phone so I could them later he said they do n't have a phone number that they only take warm transfers. I think this is not fair that I was not notified there was a balance that was going to changed off and when I found out what happen I agreed to pay the full amount only days after the changed it but they refused to work with me and I keep getting different answerers from different XXXX Reps. Can you help me? Thank you. XXXX
Company Response: Company chooses not to provide a public response
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2015-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No