Date Received: 2015-06-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally Financial formally knows as XXXX is placing the wrong XXXX delinquency date on my credit report in an attempt to keep this account on my credit report for much longer than allowed by law. All reporting agencies XXXX, XXXX & XXXX show the first delinquency date as XXXX, not XXXX. The Law states : Collection accounts and charge-offs ( those the creditor writes off as uncollectible, aka charge to profit and loss remain on file for seven years ; reporting commences no later than 180 days from the beginning of the delinquency rather than on the date of any subsequent action. So if there are multiple delinquency dates ( i.e., a consumer went delinquent, went current and then went delinquent again ), the date of the first delinquency is the one that will apply. The running time ( reporting period ) can not be reset by subsequent payment or for any other reason, in any state, except with certain student loans.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-28
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Other transaction issues
Subissue:
Consumer Complaint: XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-25
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: XXXX SKIP TRACED AND ILLEGALLY RAN BACKGROUND ON MY WIFE FOR ALLY FINANCIAL TO WHOM WAS PAID OFF XX/XX/2015 AND KEPT HARASSMENT UP FOR DAYS AFTERWARD VIA CALLING MY CELL NUMBER XXXX IN VIOLATION OF T.C..P.A AND FDCPA AND FCRA NON VALIDATION OF DEBT ETC..SENT, THE NUMBER ASKED TO CALL WAS XXXX FOR CASE NO XXXX, NOTICE NO DATE XXXX
Company Response: Company chooses not to provide a public response
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX
Company Response: Company chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2015-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No