Date Received: 2024-02-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, I modified ( refinanced ) my loan with Ally Financial. I was informed by Ally due to me modifying my loan that I would need to call and cancel the GAP insurance because it would not extend to the new loan. Once the old loan was terminated the GAP should have been returned to me in full for {$790.00} which was fully applied to my Ally account on XX/XX/XXXX. I called XX/XX/XXXX and asked for the refund, however I was told by Ally that due to a payment being currently owed of {$590.00} they wouldnt issue a refund for that amount, but that they would reverse the additional fees of XXXX. I was given case number XXXX, I was told to follow up in 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom informed she didnt see any updates but would create a follow up on the case. She gave me follow up case number XXXX and told to call back 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom said she would email the credit dept directly to get an update, she again said to call back in 1-2 business days. I called back XX/XX/XXXX and spoke with another XXXX whom said that they will not refund the money due to the loan not being paid off. I tried to explain that the loan was modified/refinanced so the previous loan was closed and the GAP dosent belong to them period. She refused to assist me any further. I want my full refund of {$790.00} at this point because Ally is NOT entitled to my funds by any clause in the modification/refinance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66762
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I made a complaint to CFPB regarding my Ally loan. Complaint number is XXXX. Since then, Ally sent my account to collections, likely in retaliation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My complaint is about the handling of the vehicle financing. Under the SEC Act, concerns with securities fraud and tax evasion are raised. My promissory note/certificate of indebtedness has been securitized by this company where they received a cusip number and engaged in trading activities. I have done everything correctly and sent to the correct place/person/trustee according to their Indenture agreement and prospectus reports on sec.gov. They have even sent back my copy of the 1099-A which is attached along with other communications and proof of registered mail. Ally is engaging in securities fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: i was gon na buy a car from XXXX XXXX XXXX, i signed the sales agrement, ,but after that, dealership 's owner said that the car had mechaniacal issues and asked me that if i want to have it repaired under the warranty... i said no i i wan na return the car and cancel the sales... Dealership did not inform the Bank .and bank still sending me payment bills,, My credit score went XXXX points down...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This matter concerns transfer of an XXXX XXXX XXXX at ALLY BANK to the primary beneficiary ( XXXX XXXX ). My sister ( XXXX XXXX ) died XX/XX/XXXX. Ally Bank sent forms for the transfer of the IRA account, all of which were promptly completed and returned on XX/XX/XXXX. On XX/XX/XXXX, Ally stated it had all forms required and the transfer would take " XXXX business days '' to accomplish. On XX/XX/XXXX, I followed up by phone call, and Ally Bank claimed not to have XXXX page of the forms ; I provided it that day, and Ally Bank acknowledged I provided it that day. Again, Ally Bank promised to execute the transfer in " XXXX business days. '' I called again on XX/XX/XXXX and again confirmed Ally Bank had the forms they required ; again, I was told " XXXX business days. '' On XX/XX/XXXX, I again called to check status and the Ally rep ( XXXX ) at first claimed a form still was missing, then admitted that Ally had the form and no action had been taken. She said she was told to tell me that the matter would be " escalated '' and that it would be handled probably within " XXXX business days. '' Ally Bank has not acted expeditiously on a simple, straightforward request to transfer an XXXX XXXX XXXX. Each time I call them, I am given a profusion of faulty information as to why. I have no confidence that Ally Bank will act on this matter without CFPB involvement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My XXXX XXXX XXXX was deemed a total loss XX/XX/XXXX. My insurance company issued two payments to Ally. Ally is now saying I have a balance owed. My gap insurance company is saying there is no money owed. I ; ve also asked Ally to provide me with my complete payment history and they have yet to receive. I apologize but I don't have the dates that I've called to Ally ( except for today XX/XX/XXXX ) requesting yet another explanation of the payments and I continously receive no resolutions. My credit is yet tarnished becuase of their discrepencies. Additionally, I have an open case XXXX against XXXX XXXX XXXX for the impoper handling of my claim. I am attaching an estimate of my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/24, I used my Ally account to send money to my XXXX account and I used ally to XXXX my fianc some money. Without warning my account was locked. No warning was given, and the excuse they used was I reset my password to many times. Everything is linked to my email and I can see any and all interaction on the account. I am now locked out of all my funds. Their customer service is not helpful they arent giving me any information and leaving me in the dark.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/XXXX I mailed a check for {$250.00} to Ally Lending for a loan payment that was due XX/XX/XXXX. On the XXXX I received an email from them stating that they had not received payment and I was late. I called and made the payment over the phone. After that, they received and cashed the check. Since then I have also mailed in a payment for XXXX. I called and asked if I could skip the XXXX payment since I made XXXX payments in XXXX, and they said no. They said that even though I was fully paid through XX/XX/XXXX, if I did not make an additional payment in XXXX, they would mark my account as delinquent. It does not seem right to me that they could put my account in delinquent status when they also admit that I am fully paid up through that time. I think something should be done about this unethical business practice. I also was not notified that they had cashed the check, and if I had been on a tight budget, making XXXX payments during the time that I was only supposed to make one would have caused me a financial problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I made a purchase using my Ally bank debit card for auto parts with an online retailer XXXX XXXX. Unfortunately, I never received my order because it was likely delivered to the wrong location. The merchant didnt request a signature so this ultimately allowed XXXX the authority to leave the package wherever they wanted. It was unusual because it was a large item. After not receiving my item I contacted the merchant and was denied a replacement or a refund. I contacted my bank in XXXX to file a dispute and didnt actually get the proper paperwork from Ally Bank until XXXX. Paperwork was initially submitted on the XXXX, the merchant has still not responded as of XX/XX/XXXX, and I still have yet to receive the adjustment to my account. I was told Id have a decision within XXXX business days and now its been changed to 45 days. I also contacted XXXX so they could investigate and they advised me to contact the merchant so they could file a claim so I can be reimbursed but the merchant is not being helpful and doesnt want to accept responsibility for their negligence in this matter. According to their XXXX report they XXXX XXXX has a long standing history of sendingghost orders, not sending correct items ordered, and swindling customers by making them pay outrageous return fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: I have A GAP insurance policy with Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX. My car was totaled and they are refusing to pay the remaining balance on my vehicle even though my policy with them was active and fully paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A