Date Received: 2021-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to open the Ally mobile app to manage my savings account. I had the wrong password saved on my phone and accidentally locked my account. I called Ally on Monday XX/XX/31 and they would not give me access to my account. They instead said their loss prevention team would call me. It has been two days and their loss prevention team has still not called me. I called them again and they said there was nothing they could do. I have an emergency and need access to my funds but they will not do anything to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This bank is not reporting to the credit bureaus in a timely manner. The last time they reported was XX/XX/2021. My balance was $ XXXX The following payments are not shown at the credit bureaus and are keeping me from getting another car. XX/XX/2021 One-Time Payment Completed {$5400.00} XX/XX/2021 Payment Processing Center Completed {$19000.00} XX/XX/2021 Payment Processing Center Completed {$40000.00} The entire amount has been paid off and albeit the final payment was only 3 weeks ago, the other 2 payments on XX/XX/XXXX and XX/XX/XXXX were never reported to the bureaus. I have contacted Ally Auto and they have not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive called an talk with customer services since XX/XX/2021 an was told my account is paid in full an that they would update it on 3-5 business days. On XX/XX/2021 I received a congratulations letter Indicating that I paid my account in full. When I dispute the balance on my credit report it came back indicating that I owe the balance an that the information is correct when its not correct. I paid the balance in full an I have proof an I want the information corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was approved for a loan and after reading my contact thoroughly the credit score is incorrect the score is XXXX and my credit score is well in the mid and hight XXXX I talked to the specialist on the loan and asked why the interest rate was so high we didn't consider looking at the score
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: A few years ago I paid off my XXXX XXXX XXXX which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD. I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My friend sent me {$250.00} payment via XXXX transfer from his XXXX XXXX XXXX account to my Ally Bank checking account on XX/XX/2021. This {$250.00} XXXX transfer was successful and the money should arrive in my Ally Bank account instantly. However, it didn't happen. Instead, Ally Bank is holding my money and doing a compliance review on this incoming transfer. Such reviews never happened in my incoming XXXX transfers before. It is not stated in Ally Bank website regarding XXXX transfer policy either. I request Ally Bank to immediately release this {$250.00} to my Ally Checking Account without any further delay. This {$250.00} money must be release to my Ally account IMMEDIATELY.
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: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: During the height of the COVID pandemic my auto lease with Ally financial was extended on what was supposed to be a lease extension through the COVID crisis. When I spoke with the company they had indicated that nothing was needed on my end to extend the lease. The company had been taking my payments out of our account automatically, but because of the extension during COVID they had terminated this automatic payment deduction without informing us. I had called the company several times after I found that they had reported my lease payments as being late. Due to the fact that we were in the process of buying and selling a home, after repeated lengthy calls with Ally were led to believe that paying the account in full would resolve the negative report against our credit. Even though the account was paid in full, even paying an amount I did not feel was due, the Serious Delinquency against my credit was not removed and it is causing us financial strain and limiting our ability to obtain an affordable mortgage. We had been leasing through Ally for 6+ years and never once had a late payment until this confusion and miscommunication they caused during the height of this pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AUTO LOAN WAS PAID IN FULL AFTER AN ACCIDENT TOTALLED THE VEHICLE. ALLY FINANCIAL INCORRECTLY STATED WE ORIGINALLY STILL OWED A FINAL PAYMENT ON THE ACCOUNT. WHEN WE HAD ALL THE PAYMENT HISTORY PULLED, IT WAS PROVEN WE DID NOT HAVE ANY REMAINING PAYMENTS DUE. I REACHED OUT TO ALLY FINANCIAL AND WAS ADVISED THE TITLE WOULD BE RELEASED TO THE INSURANCE COMPANY & OUR ACCOUNT STATUS WOULD BE UPDATED. THIS WAS BACK IN XXXX AND AS OF TODAY, XXXX, ALLY FINANCIAL IS STILL REPORTING TO THE 3 MAJOR CREDIT BUREAUS THAT THE ACCOUNT IS STILL IN DISPUTE AND MY CREDIT REPORT IS STILL REFLECTING I OWE A REMAINING BALANCE. I HAVE ATTEMPTED TO REACH OUT TO ALLY BANK NUMEROUS TIMES OVER THE YEARS AND I GET NO RESOLUTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A