Date Received: 2015-09-10
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me
Company Response: Company chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened a checking account and a 0.99 % interest savings account with Ally Bank because they said their savings compounded daily. I received an email from them that I had been verified, which means my information checks out and they took money out of my personal checking account to fund the XXXX accounts I had opened with Ally Bank. I also sent a email to them using their own site asking them if they could change my mailing address to a XXXX Box I 'm renting and gave them the info for that. Then they blocked my account. I called them and they said my accounts were considered fraudulent and I had to send them more information. They gave me the number of someone who works in their loss prevention department named XXXX over in Texas. I called him twice and left a message XXXX times and nothing has come from that. His number is XXXX. I have sent an email to Ally Bank through their website expressing my disappointment with how their Bank does business. I called before XXXX holiday and talked with another person from Ally Bank and told them I had reported Ally Bank to the Federal Trade Commission and the resolution I want is my money back and for my accounts with Ally to be cancelled and they better not have done a credit check on me. It is now XXXX XXXX, the day after XXXX XXXX. I called again just now and talked to someone on Ally Bank and gave them all of my info again ( I do this every time I call ) but they still wo n't unblock my account and this time I got hung up on probably when the guy put me on hold he did it wrong. Or perhaps they just want to rub it in. Basically I thought I was getting a good deal because my personal savings account offers 0.10 % interest rate but Ally Bank verified me, took my money, and then declared me fraudulent. So how do I get my money back??? I already passed their verification test and they sent me an email saying they were sending me a signature card to sign in the mail. So if they could in fact not verify me why did they transfer the money? Now they wo n't give it back. They ca n't operate this way. My financial institution where my personal checking and savings are with has agreed to dispute the transfers to Ally Bank so I 'll be going in later to fill out paper work. Also when filling out the online application for Ally Bank after ward it asked me questions about my credit report. That was weird. I was never told at any time during the application process my credit would be checked. I asked a person when I called Ally Bank but they did n't answer my question. If Ally Bank did check my credit without telling me I will be unhappy about that and they need to take that off my credit reports if they did and put a statement on their website that says they check credit reports when signing up. I signed up with a different online account just for savings a few months ago and that online savings account does not do not do credit checks of applicants so I was expecting the same thing from Ally Bank as they have no statement about credit being checked when applying for any accounts. Also on XXXX, yesterday, I received an email from Ally Bank saying I have a secure message from them and to sign into my account. I ca n't I tried again but because they believe my account to be fraudulent and they want me to prove I am who I am. If they believe my account to be fraudulent then why are they sending emails to me to log into my account? Something is not right, Ally Bank is screwing with my personal info and my money. After typing up this report I tried to sign in again with Ally Bank and my account is still blocked. So I 'm figuring the guy I talked to 56 minutes ago really did hang up on me on purpose. All of this nonsense for a total of {$20.00}? Really? That 's how much I setup to be transferred in total to Ally Bank.
Company Response: Company chooses not to provide a public response
State: UT
Zip: 84606
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-08
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: My initial complaint was case number XXXX. I tried working with Ally - I wrote the Credit Bureaus - I attached a copy of the reaffirmation agreement for the car - but they are still illegally reporting that the car was included in a Chapter XXXX - yes, it was included - but we reaffirmed and PAID the agreed sum outside of the court. I can mail you the affirmation agreement, like I did the credit bureaus. Pls provide me your mailing address. I can not scan documents. I want to know why Ally Financial can still continue to report this erroneously on my credit report and my husbands without repercussions.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2015-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since
Company Response: Company chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2015-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-04
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!
Company Response: Company chooses not to provide a public response
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2015-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-02
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am writing this letter as a complaint in regards to misinformation I 've received from multiple representatives and management at Ally Financial which has caused me to become behind on my account, accrue late fees and receive a negative mark on my credit. I decided that I no longer need the mechanical protection package that I purchased on my vehicle so I called that company to cancel it. I was told that since there was a finance company holding the lien, the money they refunded in the amount of {$3000.00} would be sent to the lien holder. I was paying my payments about 15 days past the due date due to how my paydays are set up. I confirmed with XXXX that the funds were sent out XXXX/XXXX/15. I called Ally that day to inform them. I spoke with a woman and requested if the funds could pay the payment that was due which was XXXX/XXXX/15 and the rest be applied to principal and the late fees. She advised me that it would all be posted towards payments. She asked me to follow up XXXX/XXXX/15 to make sure the check was received. I monitored the account that week and saw that the payment posted XXXX/XXXX/15. It showed my account with the next due payment of about {$300.00} for XXXX/XXXX/15. I felt relieved that everything was completed in a timely manner. I decided to check again after the weekend onXXXX/XXXX/15. To my surprise the funds were reversed and reposted all to principal and I was due again for XXXX/XXXX/15 showing {$1700.00} due. My stomach dropped because I had already used the funds XXXX/XXXX/15 to get ahead on other bills. I immediately called at XXXX CST and spoke with a female rep who stated everything was ok, and that in her system I was due for XXXX/XXXX/15 for about {$300.00}. She said everything was fine and I did n't have to worry. Then, XXXX/XXXX/15 at XXXX CST I received a collections call. I returned the call a few minutes later and spoke with a female rep who looked at my account and told me I was past due and that the funds were posted to principal because of some partial payments in the beginning of my loan. I explained that was n't the case. She insisted on that theory so I requested to speak with a supervisor. I sat on hold somewhere between XXXX minutes, which was also frustrating due to me being at work during this call. I spoke with a supervisor named XXXX who took a quick look at the payment history and said the funds did n't post to the current payments because of the due date change in the beginning of my loan where I made a partial payment then the extension I did in XXXX 2015. I explained to him that XXXX as well as XXXX and my understanding on extensions is that the payments that are extended are placed at the end of the loan, so there 's no way these funds should pay for payments that technically are n't due yet. He agreed with me and took a closer look. He then said he 's not sure why this happened and would have the funds reposted to my payments and explained that I would have a next due of XXXX/XXXX/15 when it was completed for about {$300.00}. He said it would take a few days to be completed. I then received another collections call at XXXX EST and I returned the call at XXXX CST. I advised the rep of my call with the supervisor and they claimed to not see the notes. I immediately requested a supervisor because now I felt I was being given the runaround, not to mention I work in a call center and was having to leave the floor to return these calls. I was transferred to a XXXX who apologized stating he did n't see the request in the system by XXXX to repost the funds to my payments. He assured me that he would have it taken care of and that it would take a few days. He said that he would note the system and stop any collections calls during this process. I continued to monitor my account. On Tuesday XXXX/XXXX/15 I noticed that
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-01
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Consumer Complaint: My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No