Ally Bank

I very angry with the way your customer service is and how they handled their job. I informed them that I had traded cars and that they should be receiving the pay off soon in the mail. The customer service rep, wherever the hell he was at, was supposed to write down the message to let the folks in accounting know that I had traded cars on April 4, 2012 and that they would be receiving a pay-off. Little did that do. I might as well went out and talked to a tree. Obviously nobody can read or write where your customer service contracted services who answer the phone. Now, let's talk about the customer service. If they cannot understand you when you tell them that it is being overnighted then you best need to make a decision about sending your business to another country. As of right now, I will not recommend anybody finance through Ally Bank, period. And I know you think that I am just a little man that you think you can just blow off. Well, guess what, I work for a dealership and I can guarantee you that I will let people who purchase car know before they sign any contract with you, folks, to think twice about it.

My Certificate of Deposit matured on 3/16/12. On 3/16/12, I faxed request to Ally Bank to close CD and transfer funds to linked account. On 3/16, I received confirmation that fax was successfully sent. On 3/21, I received voicemail from Ally Bank customer service to return their call. On 3/21, I contacted Ally Bank and spoke with a representative who informed me that they needed to confirm the routing number and account number of external account to which funds would be transferred. I provided that information, confirmed that information with representative on phone. On 3/27, I received call from an Ally Bank representative stating that transfer had not yet been processed.

Representative stated that previous representative on 3/21 did not use proper method to transfer funds. This representative was apologetic and assured me that correct procedure was now performed. She requested that I call back when I see two microdeposits and one microdebit in the external account to which funds would be transferred. On 3/31, I noticed the two microdeposits and one microdebit in external account. I called Ally Bank to confirm this information as instructed to do on 3/27.

On 4/5, I received letter in the mail from Ally Bank notifying me that CD was rolled over for another year. I contacted Ally to inquire about this. Representative stated that improper procedure was used by previous representative on 3/31, preventing transfer to be successful. I requested to speak with a manager. I spoke with manager on duty (time was between 7:04 pm to 7:25 pm, EST) who informed me that she would escalate concern. I informed the manager that I was not pleased with the difficulty of receiving my funds in a timely manner and that I now wanted my funds delivered as a physical check to my physical address by or on 4/9/12. Manager stated that they could not do that, that funds would be available to me by 4/10/12. I advised manager that this would not be an acceptable arrangement and mentioned that they could be in violation of a regulation concerning the availability of funds (FDIC Reg CC?). I informed her that I would do further research on that.

On 4/9/12, I received the funds requested (check) via FedEx Express as sent by Ally Bank. On 4/9/12, I filed complaint regarding this matter with the FDIC who forwarded complaint to the Consumer Financial Protection Board (CFPB). On 4/11/12, I filed same complaint with the Utah Department of Financial Institutions. I received two copies of the same letter from Ally Bank (dated 4/25/12) in response to both complaints. Ally Bank did admit to one mistake by a Contact Care Associate (CCA) that contributed to the delay in my receipt of funds. I am willing to swear under oath that my records show that more than one CCA was involved in this matter.

My concern is that Ally Bank is doing this to a myriad of other Ally customers. Even at this website, under Ally Bank's page, there are complaints that are very, very similar (if not exactly the same) as my complaint regarding customer receipt of funds from matured Certificates of Deposits. I am noticing a pattern of behavior (or misbehavior) on Ally Bank's part in providing access to their customers' funds. Thank you for your time and attention.

I had a 60 month CD with nearly $100,000.00 in it (and at a pretty good rate) that had two years left to go. Because I'm separated from my wife, I put alerts on all my bank account so that I would know if anyone (including my wife) tried to withdraw money. On April 16th, while sitting at my computer, I received an email from Ally Bank telling me that "Your 60 month CD account has been closed," and I should call them for information. I called them and after asking me 30 questions, I was asked what I wanted. I asked when did this happen, but I received no answer. Although, I told him that it "could" be my wife, but he refused to tell me who closed the account. I told him that I wanted any check stopped and the account frozen. Again, he refused.

If they closed "my CD account," how come they wouldn't help me? Whoever "closed" the account, must have done it on the telephone and had them send a check to an address different from my address. Ally Bank stinks and I hope they go out of business this time.

I told the customer representative, "If that's the way you treat customer's money, you can close my money market account now," which also had nearly $100,000 in it. Today, I just received an "alert" telling me that my money market account has been closed. These people must be idiots. If they're going to close a large CD before the end from a telephone conversation and send the money to an address that is different than the one on file, the least they should do is check with the person they intend to send the 1099 to. What else can I say about this "bank"?

My CD matured on February 28, 2012 and I decided to transfer the majority of the funds out leaving a small portion to roll over to the one year maturity. Funds were supposed to be in my checking account in 5-8 days. On Monday, March 5, funds were still not in my checking account and I called. The service rep said they were backed up and funds transfer would take another few days, guaranteeing funds would be in my account on Friday, March 9. On Thursday, March 8, I called to confirm that the funds would be in my checking account tomorrow and this new rep said it would take another ten days. He then offered a free wire transfer because I said this time, wait to receive my funds was unacceptable. He escalated the issue.

On March 9 (within 10-day grace period), I called to completely close out the account and have all the funds including accrued interest sent to me considering it was not acceptable at all to not have access to funds when they delayed three times when I would get my funds. My principal and last year's accrued interested showed up in the wire transfer, but not the interest for the ten days. I called to complain and issue was escalated. Client service rep called me today and said they do not issue accrued interest for the 10 days since my account was currently closed. I think they are in violation of some laws for not paying me the ten days interest due.

My husband and I purchased a car and financed through Ally a month ago. The first payment is due in 15 days, and we have not received a statement. I decided to use their online payment option for fear that mailing a check will make the payment late. The website would not allow me to process the payment unless I agreed to give Ally access to process any payment in any amount in the future from my bank account. I am leery of giving such open access to my bank account to any company.

I called customer service for an explanation of the agreement. They tried to refuse to help me without speaking to my husband. I pointed out that I am the one making the agreement. The rep raised her voice at me and told me to just agree to it. I asked for a supervisor. I was placed on hold for 10 minutes and then hung up on. I called to speak to a supervisor again. The supervisor tried again to insist that my husband must call. I explained again that I pay the bill. He then admitted that they cannot access the agreements that customers see. He kept trying to insist that the agreement was optional, but it was not.

I am extremely frustrated that I am being limited in payment options, and forced to give Ally access to my checking account, in order to make the car payments. I should get a bill in reasonable time to mail a payment, or not be forced to grant access to my checking account, except for one time.

I turned in my vehicle to the dealer where I purchased it on 12/11/2011. I signed an odometer disclosure and thought that was the end of a lease. I was told in 2007 that it was a lease by the salesman at the dealership. I had purchased many vehicles from that dealer in the past and trusted the salesman. He said it was a lease and I would pay 4 years and then I could turn it in and walk away. I did just that. It took Ally 3 months to send me a letter informing me that my vehicle would be sold at an auction because it had been repoed. I received the letter on March 5th of 2012 and the auction date was March 11th of 2012. I have made numerous calls to get the vehicle back to restore my credit. I finally got a quote from Ally. I went to Wal-Mart to send money grams to the address provided by Ally. Somehow, they only partially collected my money grams. I don't even know how that is possible.

I am trying to refinance my home and this vehicle has been nothing but a pain in my ass. I finally got the vehicle from the auction house and called Ally for a statement to be sent to my banker. The lady informed me that I still owed $64.00. In the same breath, she told me I had overpaid by more than $200.00. They have trashed my credit and it seems they have very little knowledge about their jobs. They are very hard to understand because of their accents and are extremely rude. I am so frustrated with this whole situation. There is nobody at Ally who is willing to help. They just keep telling me to check back tomorrow. I am in possession of the vehicle and am unable to prove it to my banker.

I had called 5 times in one day to schedule a delinquent payment. The people at the agency could spoke very poor English with a heavy accent, and I could not understand her. When I asked to speak to someone I could understand, she started laughing and stated I was the one who cannot understand English. There was then laughter in the background, and then I was disconnected. I have been trying to call and keep getting disconnected.

Ally Assisted a Thief by Providing False Information: We relinquished possession of our 2010 Camaro based on the information Ally provided to us via verbal and written communication. Ally misrepresented information that our loan had been paid in full, sent us a clear title, even an overpayment check of $44, giving us the impression the money had been received and we could now hand over the keys in good faith to a man presenting himself as a buyer. Ally is threatening legal action to collect on the balance they say we owe (approximately $35,000), has slandered my wife's perfect credit, and has not been responsive to our many attempts to communicate and resolve this matter amicably.

We need legal assistance with forcing Ally to take ownership of their mistakes and removing the balance owed and restoring my wife's credit. Ally has zero customer care nor does it have any open communication channels for handling customer desire for resolution of problems. It is obvious it is all about the money! They should recall their advertising scheme of "customer care".

Upon rewriting my auto loan, I was not notified that I would not have any options, if I thought I would be late on a payment. Until one day, I found out I was pregnant, and needed to pay doctor's bills, and I called and notified them that I would need to get an extension on my loan. I was told that no extensions on rewritten loans, and that I had a 60 day extension on the old loan that I could not use. How do I handle this situation?

I paid off my car loan with Ally Bank in September of 2011. I requested they then send me the title and provided a correct address for them to send it to. I received a statement showing my lien was paid. I did not receive the title. I contacted them recently to ask about this and they told me they had released an electronic title to the PA Dept. of Transportation. I called the PA Dept. of Transportation who told me this was false and they had no such thing and that Ally Bank was the lienholder and would have the paper title. So I called Ally Bank back and they told me the same exact information they had before about releasing an electronic title to PA Dept. of Transportation. I told them I had spoken to Penn DOT and reiterated what they told me. The representative just kept parroting the same thing over and over to me. Finally, I gave her the phone number to Penn DOT and told her to contact them and get the problem solved.

I called back the next day to see what progress they had made. They started by trying to tell me the same thing about the electronic title. I yelled at them and told them they were supposed to have contacted Penn DOT and figured out what the issue is and what needed to be done to get my title. I was put on hold. Eventually, I spoke to another customer service rep who now told me that yes, Ally did have the paper title but they had mailed it to me in September. I said I had not received it and verified the address with them. I then asked for proof of mailing which they said they could not give me. I informed them that I had received nothing and needed the title. They said they would request a duplicate title from Penn DOT and mail that to me. I am going to call again to make sure they did that but I find something very suspicious about their behavior and their changing of stories. I am not sure that I will ever get my title. I believe they are required by law to send me my title when my lien is paid off and I believe there is a certain amount of time required. My attorney is anxious to sue them if they do not provide my title within two weeks. I wonder if I have a case against them.

I was not allowed access, to be able for me to pay my monthly car payment account through the online feature offered by Ally Financial Inc. Ally did not offer any other ways or solutions to make my monthly car payment. Ally Customer Service stated that they did not control that access, so they were unable to assist me. The consequences is that this caused my payments to be late, and Ally charged extra penalty fees.

I had sent in my January payment on time, as usual. The next thing I know, we are getting a letter stating that we were behind by $55.92. I was shocked. I looked back at my check, and saw that I had written in the amount line, and what I had written were two different things. I understand that this was my mistake, but had this company put any effort into physically calling me and saying that this was the case, I wouldn't have filed a complaint here, and with the BBB. I was not happy at all! I mailed out my payment on 2/3, and then I get a phone call at my place of employment today, demanding payment of $58.92! What? I get a notice for $55.92 on 2/3, and you call me on 2/8, and demand $3 more! I can not believe this company actually took over for GMAC financing! I have yet to find out what the BBB will do for me.

Ally has been nothing but a nightmare for us. We finally found someone we thought was nice that could help us out as we were in a bad spot. We were 103 days behind our car loan and we spoke to a gentleman named Jeremiah. It was agreed that because he was so nice and polite, he would be our contact from Ally from then on. He and my husband (whose name the loan is in) agreed that he would make one payment on 12/20 and another on 01/03.

The second payment was made 01/04, but that was accepted and the last time my husband spoke to this guy was on 01/06, when they agreed that since we couldn't make another payment until February they would speak about further payment arrangements then. We heard nothing more from Ally since 01/06. No calls or mail and today, a repossessor came and took our car.

We were told by the repo guys (who were very nice and patient and even helped me get things out of the car, as my husband wasn't home) that if we called Ally and could make an arrangement before they were gone from town in about 20 minutes, they could bring the car back. My husband called Ally from work and was not only laughed at but told that if the repo men were there, they could take the car for all the Ally reps cared.

They were incredibly rude and told him that nobody from their redemption department would even speak to him until 24 hours after the car had been in their custody (so, tomorrow). The car is now gone about three hours away to be held. Ally reps laughed my husband off. There is no record of the agreement he made with this Jeremiah and he has spoken to several representatives who have been beyond rude.

They have brushed him off and have been inexcusably nasty. We're out of ideas, we can make the payments we agreed on this month but there is no record of the agreement and nobody knows what happened to this Jeremiah (or won't speak of it, either way). They have record of my husband speaking to him last on 01/06, which is correct and our last two payments are in their system. We heard nothing more from them since my husband last spoke to them on 01/06. No letters, no phone calls, nothing. Certainly no warning that our primary contact from Ally, this Jeremiah, was no longer with the company and thus could no longer be our primary contact.

Shouldn't these phone calls with him have been recorded? Shouldn't there be at least recorded proof that he spoke to us about this? I have no idea what to do. My husband, obviously, is upset. I am searching for childcare for our two young children and will need to get to my new job in two weeks. My husband needs transportation to work. The repo guys told us they would hold the car for 10 days at their location. How do I even know this is true? I am so angry right now at how my husband has been treated. Please, if you can, avoid Ally Financial completely. I wish we could get our loan transferred to someone else.

Well, we have had the same problems with Ally Bank regarding our two CDs that the other two individuals listed below in 2012 have had in getting their money when the CDs matured. We have been on the phone every day since January 20, 2012; and we started requesting the funds to be transferred via wire transfer to our TD Ameritrade account on January 17 from our financial advisor's office.

It is now January 30 in the evening, and both of our CD account funds are in limbo land somewhere in computer heaven? Eric ** who supposedly is a supervisor with the Ally Bank executive resolution department in Western North Carolina kept insisting that the money has made it to TD Ameritrade's bank which is the First National Bank of Omaha. But TD has told us that our account can only accept wire transfers, and yet, Eric kept telling us that they sent our two cashed-out CD money accounts via ACH transfer which TD cannot accept with our particular account type. We don't have a checking account with TD and ACH transfers are only used for checking accounts!

We have also asked for interest due us, but now, they want to charge us $20.00 per account to do a wire transfer or to send us a check to us personally. Ally is the biggest joke. They might be open 24/7, but you can't get a decent or correct response; and the so-called escalation/problem resolution department needs to go back to on-the-job training. They don't care if they lost your money, since it isn't "their" money. I sure would like to know how Patrick from RI got extra interest from Ally. Do you know the president from Ally?

This is a follow up to my previous complaint. If you read my complaint regarding the transfer of funds for two CDs, you will see the frustration I had trying to get answers and my cash. After 9 phone calls, #8 being made to Ally Bank by my local Credit Union, I have my cash. Ally Bank had originally wired my funds as requested but omitted one digit from my account. Funds were in "transfer limbo" all the time I was trying to avoid delays. #8 Customer Service rep from Ally Bank found the problem and put a priority on the fix. I received a call from an Ally Bank rep who informed me that an immediate transfer of my funds, with updated interest, would be delivered personally to me. It did, just as promised, and I am now satisfied with the results and the lesson learnt.

Reading the forums concerning Ally Bank, I realize that I am not alone with my frustration in dealing with this financial institution. My experience is a twin to what another citizen has revealed in this website. So far, 6 phone calls to very nice customer service representatives of Ally Bank have identical results: promises but no cash. In short, 2 CDs matured 12/31/2011 and direction to close those accounts and surrender my principal funds with interest has not been completed as of 1/17/12. Sure, I received the interest but the principal just has not shown up like promised. Do not do any business with Ally Bank and check into who has influence in that institution ever since the bail out of GMAC!

Using the Ally internet banking for CDS has been a frustrating process. After CDS matured, there were numerous delays transferring our $. I called 1 day before maturity, on Dec. 15, 2011 and now 1/3, 2012, they attempted electronic and wire but the $ was returned to Ally on 12/30. We still do not have our $ and Ally does not compensate customers for delays and they only are willing to credit 2 days interest. I tried wire and electronic transfer, but to no avail (had to correct routing # on 12/20). I am now trying to have them send out a check by overnight mail, maybe we'll get a check by 1/6/2012.

If it arrives, we have to wait 3 business days for it to clear and maybe we'll have our $ by 1/12/12, which is almost 30 days past maturity. When you call the customer service, you get agents from Washington or Pennsylvania, USA to Kichner Ontario, and there are no direct #s. You will be put on hold for 20 minutes and then routinely get disconnected. I will be reporting Ally to the Dept. of Banking in Pennsylvania where they're located, though they operate under laws of Utah, who will also get a complaint. It's gone to executive resolution, but no customer service reps or supervisors can connect to the executive reps we've spoken to. They ask us to resubmit info we've already provided and they say they'll attempt the same steps that have failed. We want interest from 12/20 to the actual day a check is sent.

December 1, 2011, my car was repossessed by Ally finance. At this time, I was given 10 days to pay balance owed for my car 2006 Nissan Sentra vin # 3n1cb51d06l490864. I paid the balance on December 7th 2011 during the day I had went to the company that repossessed my vehicle to get my license which I needed to cash my pay check, they stalled me for 45 minutes. I received my license then proceeded to cash my check and wire the money by western union in the amount 1284.00 which included repossession fees and storage.

Before all of this happened I was never notified of intent to sell my vehicle or that they were repossessing it. I went to get the release paper from the Bakersfield police department to get my vehicle. I took my release paper to American recovery to get my vehicle. They said wait 15 minutes for them to receive authorization from Ally to release the vehicle to me. While I was waiting, they then informed me they released my vehicle but it was on a transport truck on its way to the Bloomington auction yard in San Bernadino County. I asked them to find my vehicle and to return it but Ally said that they can't because it is at the auction yard. I was also informed I have to make an appointment to pick up my car but it has not reached the auction yard, has been lost in transit. So I called Ally, they said it is not their problem at this point. It is their problem they authorized my car to be transported.

They need to give me my car or reimbursed all the money I have paid including fees and interest. I even called the police department but they said it is a civil matter and they cannot interfere at this point. What can we do? In reading the laws of repossession, we followed the guidelines but Ally did not follow the law. If you would like, we can send the repossession law to you. According to the California repossession law my car has been stolen.

So we were behind on our auto loan. My husband is deployed, and I am trying to take over doing our bills myself. I call Ally trying to work out a payment for our next payday. The woman does her legally required speech, about the call being recorded for collection purposes, and then says that we need to pay a certain amount today, in order to keep our vehicle. I proceed to tell her, we don't have anything to give at the current time, but I could do it on the next payday. She then asked where our money went from the last payday, trying to account for every dollar. Then after I gave an insufficient answer to her liking, she asked for 2 contact numbers in order to 'work with me', on a catch-up payment plan.

I informed her that I don't have anyone to put down, and all my family is out of state, and I'm not going to give her a total stranger's phone number. She states that she can't help me then, and proceeds to question my mothering skills and states, "what would happen to your children, if something happened to you? who would they call?" I might have yelled at her at this point, not sure. I hung up crying, and couldn't continue the conversation. The car might get repossessed.

Beware of Ally Financial! I paid off a car loan in full on Sept. 29, 2011. I had automatic withdrawal payments set up and a payment had already been processed after the loan was paid off (came out the next day), but wasn't included in the current pay off. Therefore, I had an overpayment of $339. I called the very same day and customer service said a check will be sent out the following day, and I should receive it within 3-5 business days.

I have followed it up every week since then, and still no refund check! It is November 22nd! Every time I call, I get transferred to a different department constantly. I can't even get a straight answer what the name of the department is that issues the refunds, even from a supervisor. Every time I call, they say it hasn't been sent yet, and they will start an investigation. Really! They are terrible. I actually called this week, was on the phone for 1 1/2 hours! They finally came back and told me it has not been sent, and they will look into it. I asked to immediately talk to the dept. that issues the refund checks. They transferred me, and the lady straight up lied to me and said it was sent.

I will be filing a civil law suit against them next week. What a joke. I shouldn't even have to go through this. Do not use Ally Bank for anything! You guys **!

I am trying to verify if you received my original complaint on 8-9-2011. My contract was being re-written in order to reduce my payments. It's a big mess! Right hand does not know what the left hand is doing. Out of 3 contracts re-written and only 2 received, my payment of $150.74 should be due on 12-3-2011. ON 8-9-2011, my car was repossessed, obviously in error! Now nobody at Ally knows anything nor wants to do anything to help me get my car back without me paying repo fees because of Ally's error. It cost me $1,485 in fees.

I paid my loan off and needed the lien release letter for the new owners to register the car. It has been 1 1/2 weeks already and no paper. So I called and I was informed they will not release the paperwork for 10 business days and will take 3-5 business days to receive it after the release. So the new owners will be waiting for 3 weeks before they can use the car. The customer service basically said the same thing over and over again and at the end 10 b days and 3-5 days before they will send the paper. I would recommend staying away from them at all costs!

Ally Financial filed a malicious and false "Bad Debt Write Off" against me with all three credit bureaus, claiming I owed them over $ 61,000? The truth is that I don't owe them anything. I never have!

When I found out what they did, I contacted them to try and clear up this problem. They were very nasty with me and although they admitted the claim was false, still demanded I pay them the full amount or they wouldn't have this "False Claim" removed from my credit history? Makes no sense, does it? Anyhow, for the record, I have never done any business whatsoever in the past with these people. Never even heard of them before this happened. I did have an account with GMAC, but that was fully paid off! Every payment was made in full, on time, never late and the car was turned in at the end of the original agreement "according to the terms of the agreement!"

I have sent Ally four letters so far, demanding they prove that I now, or have ever, owed them anything. They refused to deal with me. They also refused to back up their claim and supply any back-up documentation, proving I owe them anything, and/or to remove this malicious information from my credit history! They refused to contact the credit bureaus to fix the problem they've created!

These people are remarkable! They're "Crooks" and are using their financial strength and legal resources to bill me, and many others I found out, out of millions, if not billions, of dollars. They told me to go ahead, "Sue Them!" They are prepared to drag this out until they "Break me mentally, emotionally, stress-wise and financially"?

I guess, rather than admit they made a mistake/problem, face up and fix it, they think it's cheaper for their lawyers to harass me and try and beat me in court. They believe that if they do face the problem, they're liable for damages! They're certainly right about that!

I paid off a vehicle with Ally Auto on 10/14, and was then charged the following day for the vehicle I had just paid off, leaving me entirely without funds for at least two weeks. I called Ally's customer service, and while they apologized but refused to admit it was an error on their part, they also told me that I would not have a check with the funds they illegally took from my account until no later than 10 days. Ten days later, I called, and they said it was a minimum 10-day hold, and then at least 3 to 5 business days until I received the check. At this point, I still don't know if I'm going to receive the money this company of unacceptable practice unlawfully debited from my account.

Ally has been nothing but a thorn in my side, since they took over GMAC. I have received countless harassing phone calls. The calls started at 8am and went late into the night. If I don't answer my home phone because I am at work, they immediately call my cell phone. If I had not given them my cell phone number, they would be calling our jobs.

The people who called were rude and yelled at you while you were trying to explain your situation. In September of this year, I had made several online payments; all of them ahead of time. I admit I was a little behind, but I was on the verge of catching up. I made my payments in one of three set amounts and never vary from them. I received an email from Ally which said, "Thank you for your payment of $508.73." I knew immediately that my payment had been changed, and it was not done by me.

I called them immediately, and, of course, they denied any wrongdoing. I spoke to a supervisor, and she then began to access my online account. (Remember, they don't have access to the online account.) Then she began to tell me that the payments were set up at around 10am on a certain day. Then she let it out that the payment that was in question was set up at 7pm on that same day. I told her I never accessed that account after setting up those payments. But, of course, they were adamant that they were right and I was wrong.

Since then, I have been continuously harassed. I am behind at this point, and apparently, there is no help for me from them. I spoke to Monique today, and she was the rudest person I have spoken to yet. I told her that I had no extra money to send her to catch up, but she just berated me and kept telling me I could lose my vehicle. I told her to come pick the ** up then. She hung up on me.

I am awaiting another harassing call which will come at any minute, I am sure. I hate this company. Previously, they have reported me to the credit bureaus for no reason, and I disputed it with the credit bureaus. Then it was fixed to my surprise. I will never finance through this company again, and I will shout from the rooftops to tell everyone not to have any dealings with them.

I cannot afford an attorney and am seeking other financing. I just hope they let me pay it off peacefully and without incident. I am sure they will give me trouble though. I am not someone who doesn't pay their bills, but things are extremely tight right now. They don't seem to care about the people who are keeping their company afloat. I suggest that everyone get out while they can.

I purchased a 2011 Chevy Cruze in May. I lost my job after almost 7 years in August and started a new job on October 3. I get paid on the 5th and the 20th of each month. My car payment is due on the 15th. I just got paid today and have been receiving calls the last few days from Ally. They call up to 8 times a day, starting at 8 am until evening.

I answered a call earlier and spoke to a representative. I explained that I just started a new job and just got paid today. She said that I was late on my payment! This is only the 20th and she is calling me. I told her I will be depositing the check after work tomorrow (Friday) and will send the payment. I told her to stop calling me and that I can't change when I get paid. She said they are allowed to call up to 4 times a day. I said, "Then stop calling up to 8 and not from 8 to 5 when I am at work because I can't answer my cell phone."

She then asked to verify my address. I said that I haven't moved since they called me the last time. This is stupid!

I leased a car in 2008 and the lease ended this past July. I decided to buy the car and requested a payoff letter.

I received the letter and the amount was the same as the original contract, so I financed the amount and sent the check at the end of July. In August, I never received the title so I called them and they said that we owed $580 in late charges. I asked what the late charges were based on and I was told that I missed the 39th payment plus late charges. I told them that according to my contract, it was only 38 payments, which was paid in full. They told me that it was a balloon payment.

I cannot find anything about 39 payments or a balloon payment in the contract. They said that if I don't pay it, I can't get the title. I told them if this extra payment was included in the payoff letter, I would have included it in the amount I financed through another bank but it wasn't.

Even though I believe I don't owe the money, if I had the money I would just pay it. I have been laid off from my job and I don't have the money. I have been going back and forth with this company for three months, and I'm at my wit's end. What can I do at this point?

Ally Bank loves to bother people and families with their calls from 8 a.m. to 10 p.m. I have told them not to call until 10 a.m. because they wake up my 3-year-old every morning with their calls at 8 a.m., but they still do it! They call 8-9 times a day all day long. Sometimes only in 10-15 mins spans. I have spoken to them and made payment arrangements, but the still call. I'm only 1 month an 3 days behind. They love to bother and bother. I'm not sure what to do. I only owe $1400 and would love to pay it off and be done with this terrible company that bothers incessantly.

I also wish they would hire people that spoke English and understands the US. I hate calls from Indian people.

I received a call from a Tonya ** on 9/23/11 at 3:21. She requested a copy of my license, Social Security card and birth certificate. When she told me that she was from Ally Bank, I said to her, "Of course." The only thing I do not have is my birth certificate, but if she needed it, I would order it. It will take at least seven days since I live in PA and was born in NY. She said, "No problem." I asked her what was the reason for all this and she said that the information I provided when I opened the account back in April does not match.

Now, I have had this account since April. I am very sick and I ended up getting chest pains since she called and said "fraud" to me. I take it very seriously and I ended up in the E.R. I gave the hospital a $50.00 check for my medication. I arrived at home about 1:15 a.m. and went on my laptop to see if my son had emailed me. He is in Iraq serving our country.

Then, I went to check online banking, and I am blocked. I thought that I entered something wrong but I did not. Ms. ** blocked my account for fraud. I asked the representative what was going on and he said that I committed fraud. My account is blocked due to Ms. **. Well, I guess I will be going back to the hospital due to the pain. Thanks, Ms. **! But I am not a fraud. I will be sending the bill to Ally Bank to her attention. Hopefully, I do not make it and she will be happy.

I just got a loan payment bill (account # **) for 09/07/11 on my 10 Chevy Silverado Pickup. On 08/30/11, I faxed a signed "Agreement to voluntarily allow Ally Financial to take vehicle" document back to Sara ** of Ally Financial. We are still waiting for someone to show up and take possession of the vehicle. There will be no further payments on this loan.

I had a car loan with Ally Bank in September 2010. The original loan amount was $26,999.50. I called on the 13th of September 2011 to check my payoff amount and it was $26,148.83. This means that I only paid $850.73 for the 12 months I've had the loan. The person that I spoke with on the phone calculated my total payment to be $5,194.20. So, where did all my payment go if my original loan amount was $26,999.50? And after 12 months, my payoff is $26,148.83. They need to pay for the emotional stress they've put me through.

I paid my 2006 CTS payment online and due date is 11th of each month. I paid the last payment in August 9th. I called them in April because I audited the account and noticed duplicate payment which the CSR claimed it was not a duplicate and all payments were late. I cannot understand this because I purposely submit additional payment in the same month to see how they would apply my payment. I received a letter from Alley, August 22,2011, stating their record indicates that I still owe the amount $414.00 for late charges. This is not correct because all payments are processed before the 11th or 20th each month. I will provide this to my attorney for further action. I want my title release today and I want my account audit by someone you know how to handle customer concerns in a timely manner. I will let all my friends and family know not to do business with this company. Thanks.

determine that what they had reported was not accurate. I have filed 3 disputes and they refuse to look into and correct my credit report. They will not connect me to anyone who actually has the authority and/or brain power to determine that this is obviously a computer error.

My payment is due on the 15th of the month. I called them on 7/12, and made arrangements for a deferment for the month of July. I was told to pay $194 and the remaining on the payment would not be due until 8/15. I then stated I would not have this until 7/22 and was told this would be fine. I mailed payment on 7/25; I received a call on 7/26 at 8:41 Am and I spoke with representative. I told them payment was mailed on the previous day, and they should be receiving it today or tomorrow.

She stated that it is fine; made notations in the system, and that I would only receive a call in about three days if payment is not received.

I received another call at 10:31 AM. As soon a representative started speaking, I asked her if she read the notes in her system. She then tells me thank you, have a good day and hangs up phone.

I then received another call at 4:18 PM. I then proceeded to ask the representative if she read the notes in the system. She then tells me that the call is only a courtesy call to let me know that if they don't receive the check in the next few days I would receive a call then. I proceeded to tell her that they are violating the Fair Debt Collection Act; that I have spoken to them and since then they have called me 2 more times. She then tells me she is sending my phone number to the "do not call restriction list", and I will not receive a call for 5 days if payment is not received.

I told her this should have been done after the first call, and this is now harassment because she was now the 3rd person I have talked to in one day.

I had to hire an attorney to pay off an auto loan. My 1st attempt was June 10, 2011. I paid the amount the statement said if paid before June 15, 2011. I recieved a letter dated June 21 that Ally Bank sent notice of negative statements to credit agencies becauce I was late on payment. Then I recieved a letter dated June 23. Ally Bank had sent my payoff check back, because it was not enough for payoff. I called csr at Ally June 27th and was told the check was returned because I was short accrued interest.

The csr told me the new amount of payoff if recieved in 9 days. I wrote the check and mailed it that day. Then 7-8-2011 when the check had not cleared the bank I called csr again and they informed me I had late charges and accrued another $13 in interest. After getting nowhere for 26 min. I hung up on the phone and drove to an attorney office. She called csr and the whole demeanor changed. They agreed to wave late charges and accrued interest. I suspect Ally Bank has found a new way of increasing revenue "by Holding on to your check a few days and adding interest to your account".

In 2007, I leased a Chevy Trailblazer from a local dealership, set my payments as an EFT through my bank for the assigned payment date. In March of 2009 my financial situation went awry and I could not recover favorably, therefore, I filed chapter 13 (which is another form of bondage, that I would not recommend to anyone), but I did not take at that time GMAC, now Ally Financial into chapter 13, but continued to make my payments on time through the course of the lease, never missed a payment or made a late payment during the entire lease, which ended in October of 2010. Ally has never contacted me concerning any debt owed for excessive ware or over miles (which I was not) on the vehicle or any other balance due.

On Sunday, June 12, 2011, for some unknown reason, I pulled my credit report and to my surprise there was a negative credit report from Ally Financial. The first was a balance of $108.20, which I had no idea was owed. The second report read as if I placed them in Chapter 13, which I did not. On Monday, June 13, 2011, I began making calls to this company to inquire about this balance and why were they reporting a Chapter 13 with a fall off date of 2017(?). I was transferred 16 times, placed on hold before reaching a supervisor. I explained the situation to her. She pulled my account and could see what I was saying was true, so Ms. ** responded with, "can I call you back later or tomorrow with further information?" To make a long story short; I was finally put in contact with Mr ** of the bankruptcy department who was curt and unyielding as to their wrongdoing.

Mr ** continually said that since they had to sell the car and only received $13,500 for the car and not the $18,000 market value of the vehicle, that I had a balance of $5,000 owed and he informed me to contact the credit bureau and file a dispute. I have leased many vehicles and never before have I heard anything so ridiculous in my life. That is why people lease vehicles and turn them in. If you do not like it, you are not stuck with something you do not like or one might like driving new cars every two or three years. I have contacted the state's attorney general and I am in the process of contacting a lawyer, and civil liberties to bring a discrimination charge against Ally Financial for the treatment of women.

I am a 70-year old male. I purchased a town house as an investment property, and I put a 20 percent down payment. Our business was real estate and mortgage, and all of the sudden we had to close our office. At the same time, I was diagnosed with a very invasive prostate cancer. At that time, I was paying $1300 per month for my medical insurance (as self employed), but soon I was not able to keep up with the payments.

I had to choose between making my mortgage payment and keeping my insurance. GMAC gave me a trial loan modification on September 2010, but on the same month they transferred the loan to Deutsche Bank and a few weeks later to another investor here in Southern California. All of these happened after I requested a copy of the note. I made all the agreed payments on time, but they failed to keep the promise to modify my loan, if I made the payments on time. I filed a complaint with the Federal Deposit Insurance Corporation (FDIC), and now the new investor is willing to work with me, but I know that there has been fraud, on the transferring and assignment of the note.

I would like to find an attorney to file a class action against GMAC. The following can be sufficient causes to file a law suit: taking advantage of mortgagors' defaults; verbally promising modification and forbearance, soliciting modification applications, and representing that certain written materials are part of the modification process; failing to grant promised modifications or reneging on contractual modifications; unduly delaying modifications; repeatedly telling mortgagors that documents are lost, missing, incomplete, or otherwise defective; proceeding with foreclosures based on mortgagors' failure to meet shifting demands; increasing principal balances and imposing late charges and other fees and expenses on mortgagors; hanging foreclosure over mortgagors' heads as they are dragged through the modification process; substantially increasing debts by incorrectly applying payments; and failing to keep accurate records.

I placed a call to Ally Bank, formerly GMAC, to try to make an arrangement to bring me and my wife's auto loan up to date. We are currently behind 56 days as of November 8, 2010. The CSR I spoke with was wanting me to give him my bank account number, even after I told him we did not have sufficient funds to cover the amount (approximately $510) which we are behind. I asked to speak with a manager, who came on the phone and told me the same thing the CSR did.

The manager asked why we got behind on our payments, and I told him we had some financial setbacks which caused us to get behind. They both also told me that if we did not make a payment by Friday November 12, 2010, that they would send my account to collections, and also have my car repossessed, and that we would still have to pay off the loan. I told the manager that we could not make a payment until November 18, 2010, and that we were also trying to get our payment caught up before January 1, 2010, and the manager stated next year.

I told the manager that is in less than two (2) months. He said that that was not acceptable. I asked him if he knew that a lot of consumers in our country were struggling to pay their auto, home, and personal loans. I also told him that almost all financial institutions were working with the consumers to help us all make it through these hard times. He was not in agreement with my statement and told me this conversation was over. My understanding of auto loans is that most financial institutions will try to work with the consumer, and not repossess a vehicle until after the loan is 90 days past due depending if the consumer attempts to make some kind of arrangement. Please help.

Words can't properly express how upset I am right now at Ally Bank. I am a self-employed computer consultant. I travel 100% of the time and decided to move my account to your bank so I could better manage my finances online from whatever hotel I happened to be in. I was having some trouble with getting a couple of external accounts verified so I chatted with someone at the first of the week. During that conversation, I also requested my debit card be expedited because of my travel schedule and was assured I would receive it before the weekend. I arrived home late Friday night and found no debit card.

I chatted with one of your CSRs, named Dale, and explained the situation. I was online with him for close to an hour, working on multiple issues. He told me he would have the bank operations team contact me about my external account problem (the Ally website would not let me enter the full account number and truncated it). He also assured me he would FedEx my debit card on Monday so my wife could then activate it for me. He also told me he would email me a form so I could do a wire transfer on Monday, as I need to pay some bills and the account where I have my mortgage, car, etc. automatically deducted from is still at my old bank. I tried moving some funds via online transfer but was rudely awakened to the fact that apparently takes 3-5 business days. So much for the promise of online banking.

This evening (Saturday), I checked my email account and found no wire transfer form. I contacted another CSR (Charlene - partial transcript attached as I got disconnected) and was told; a) Ally bank will not expedite a debit card and I should get mine in regular mails, and b) I could not do a wire transfer because the bank had not received my signature card (I had told "Dale" it was in my mail for the week when I got home late Friday night and I dropped in our mail for Saturday morning).

After an awful lot of cajoling and asking for a supervisor, I was finally told the debit card would be FedEx-ed on Monday. But, of course, I still could not use a wire transfer to pay my mortgage and car payment. I asked if the CSR could email or fax me another signature card and I would fax it to them when I got to my client site on Monday morning. No dice. Apparently, a faxed signature is valid everywhere in the United States except Ally bank.

The bottom-line is I have deposited almost 10,000 dollars in my Ally bank account and I can't use any of it to book my hotel for the week (guess I'm sleeping in my car) or pay any bills, very nice. To add insult to injury, I could have had my wife FedEx me the signature card last week and FedEx-ed it to you guys if someone would have bothered to tell me. I thought I was being proactive by asking on Monday or so if the debit card could be expedited. The CSR at that time also did not say that was impossible, just that I would definitely get the card before the weekend.

How can your CSRs be so poorly trained in a business where they are your only face to the customer that no two agents can provide information that is remotely consistent? Daily, the new debit card was deactivated and marked as lost or stolen. I spent hours every day on vacation trying to access my account. Ally eventually got the card working but I'm out a lot of billable time and a ruined vacation.