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Report: #1507864

Complaint Review: Ally Bank -

  • Submitted:
  • Updated:
  • Reported By: Sal — Olympia United States
  • Author Confirmed What's this?
  • Why?
  • Ally Bank United States

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I have tried to fix that "WORKING TITLE" about five times...each time I remove or change something, it just takes my edit, puts it at the front and leaves what was there...I GIVE UP NOW!!! LOL

I had gotten into some issues in late 2018 and got behind to Ally.
A few months later I was in a position to make up the shortfall.
They gave me a number...$2620....I instructed Bill Pay to do a one time bank draft to them for that amount but leave the monthly payment unchanged.

Check was sent, I heard nothing back...forgot about it.

In November 2020, I get three envelopes with checks in them...8 total.
Each for $348.37. my car payment. Hmm...but NOT the WSECU bill Pay draft check...Ally's checks.

CLEARLY Ally cashed the chceks (I have the images)
And then in November, I began getting the checks back. In teh form of checks drafted against Ally's own accounts..they CASHED my payment checks...never applied them to my loan, and did not put them in an escrow of any kind...therefore the money to service my debt was being used for something else.

Two weeks before the hearing to overturn the Default Judgement they took the car.

The following Friday the default judgment was overturned and the order to take the car was voided.
When I got the car back...

Ally then had the vehicle sitting, unsecured and uncovered for two weeks prior to inspecting it.
When I got it back windows were down (only about 90 days of sun here).rains a lot
A LOT of stuff missing.

They are going to file summary judgement..ok..do that..THE FACT I HAVE IMAGES OF YOUR STAMPS ON MY CASHED CHECKS IS A MATERIAL FACT IN DISPUTE IS IT NOT? YOU claim I never sent the money.

This report was posted on Ripoff Report on 05/08/2021 10:17 PM and is a permanent record located here: https://www.ripoffreport.com/report/ally-bank/illeg-repod-car-claiming-no-i-1507864. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
3Author
1Consumer
0Employee/Owner

#4 Author of original report

Don't speak about a subject you have no information about as if you're the expert

AUTHOR: Sal - (United States)

POSTED: Tuesday, June 29, 2021

I acknowledged we had some issues in 2019 and got behind..that's what the $2620 payment was about..sent on Jan 21, 2020. They received the check..then they didn't cash it. They also received, and CASHED teh 8 previous checks but didn't apply a dime to the loan.

I have the proof of all this..I have images of cashed checks they claim to never have gotten..checks cashed BY THEM...when they RETURNED the money, it was on THEIR checks..not returning my uncashed checks....new checks because they DID cash the payment checks they claimed to never have received.

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#3 Author of original report

not litigating this here..I have a court date.

AUTHOR: Sal - (United States)

POSTED: Monday, May 10, 2021

I stated facts that are relevant.
And I'm not litigating the facts here. That's for court.

 

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#2 Author of original report

response

AUTHOR: Sal - (United States)

POSTED: Monday, May 10, 2021

I'm not going to litigate this here. We have a court date.
I was merely looking for other people you've screwed.
And there are 78 cases listed here.

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#1 Consumer Comment

You seemed to have skipped a few things

AUTHOR: Robert - (United States)

POSTED: Monday, May 10, 2021

If you had to pay over $2600 you were several months behind and apparently didn't have your car repossessed. Had they done it then you likely would not have had a leg to stand on. Instead, they worked with you so you can keep the car.  This is important because what this says is that they didn't take the chance to repossess your car when they had the legal right but then had to "make up" an entirely fake situation to do it at a later time.  Sorry but you are just not that important. 

Then...you jump from 2018 to 2020. Unless your "a few months later" is over a year later, you would have had more than just 8 payments after you caught up and November 2020.

As later you jump from getting the checks back to talking about your car getting repossessed 2 weeks before you had your hearing to overturn the default judgment. So what was the time period of these payments that were sent back? When you got the checks back did you contact them? You of course have proof from your bank that they cashed the checks.

Seems like you left a few steps out of your narrative.

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