Date Received: 2021-05-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I asked for help in how I could go about lowering my monthly car loan payment from XXXX a month due to hardship with my employer. In XXXX my employer, from full time to part time but unknown for how long. I pay my car on time but they say I dont qualify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
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: 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: Ally mistakenly paid off my vehicle on XX/XX/2021. Called on XX/XX/2021 after receiving an overpayment check. Told 1-2 business days for contact. No contact called on XX/XX/2021 no help again told I would receive contact on XX/XX/2021 no contact. Called on XX/XX/2021 again no progress, contacted Ally fraud department to report no contact. Was instructed to make a report to NC insurance and to this agency. Every time I have contacted Ally they act like this is the first contact, they asked me to Contact the insurance company XXXX XXXX ) which is not my insurance and XXXX has no record of this. The amount paid was {$12000.00} and according to Ally the title was sent to XXXX. My vehicle has been in no accident. My contact number is XXXX email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
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: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: 2017 XXXX XXXX, from XXXX XXXX, sticker price was XXXX, trade in was supposed to be XXXX, plus i put {$1000.00} down, ally financed car at 8.99 %, brother co signed, would not change brothers name, his name is XXXX XXXX, they put XXXX XXXX, finance XXXX. finance change XXXX ending amount {$48000.00}, ally financial, paying {$580.00} dollars a month for 84 months, payment was late due to mail issue, was charged an addition {$20.00} dollars, didnt pay that was was changed another additional {$20.00}, i was late on one payment due to XXXX XXXX, i feel im being overcharged by XXXX XXXX and ally, call it discrimination, hopng someone would look into this and correct and award me damages!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 487XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Again and again while obtaining my credit report I've noticed inaccurate and fabricated information on my credit report regarding the account of Ally Financial Bank ... See attachment!!! On report XXXX date of last activity section of the following listing. Experian '' is reporting a date of last activity of XX/XX/2018. However, Transunion is reporting a date of last activity XX/XX/2018. If this is the same account, reported by the same creditor how are numbers different? THIS IS IN VIOLATION OF MY RIGHTS. This account has been so negatively impacting my life. While they are continuing reporting inaccuracies I have been disputing this for more than a year it has not been resolved. With little to no response back. I request that this account to be removed from my credit reports immediately due the face Ally Financial is reporting inaccurate and inconsistent information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As i write this, I am in complete tears. i wrote about this company prior and still no resolution! They have lied in response to my complaint! I am seeking the best legal actions to take at this point! i wake up this morning to more false reporting! they have violated me enough! clearly 15 u.s. code 1692 meaning nothing to them! But the law is the law! I have endured so much hardship due to ally financial! everything about this debt is inaccurate information reported all across the board! not only do they refused to removed this off my credit completely! they continue to taunt me! adding more stress and XXXX to my daily life! this account was put as a charge off years ago! they claim to have sold the debt allegedly owed! yet they themselves are still reporting. While the other company continues to harassed me with letters. I am in the process of trying to Move due to the pandemic and XXXX XXXX dropped my credit 100 point due to ally reporting their lies! on a closed CHARGED OFF account! ( reporting that i have missed a payment this month )! on a closed/charged off account?? from 2018! like this back and forth is sooo stressful me continuously begging them to right there wrongs have sent me into a spirally XXXX! sending letters after letter to both ally and XXXX XXXX! now on XXXX XXXX ally is reporting it as new open account! i want this delete or i wan na find the best lawyers to take legal actions I am at working in tears writing this. I am unable to focus on my job. How can they do this and also allow another company to bully me by constantly sending me letters as well in reference to the same exacted debt! I NEED HELP! THIS IS XXXX AFFECTING ME! Ally financial is a horrible company that continue to falsely report inaccurate and egregious information and I NEED JUSTICE! they are putting me through XXXX! i have documents to back the letters ive sent! voice recordings for them claiming the gap insurance being rebated but i have full evidence that it is still open on a vehicle i have no possession of! down to the last payment they reported is inaccurate. This should be a crime! this is the last plead i am making! i need this removed from my credit expeditiously! or they will have to pay me for each inaccuracy they have ever reported on my Name. now because of them i may be homeless! Confidentiality Notice : The information in this message is confidential and may be legally privileged. It is intended solely for the addressee and access to this message by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, or distribution of this message, or any action or omission taken by you in reliance on it, is prohibited and may be unlawful. If you have received this mail by mistake we request you to please destroy it and contact the sender immediately. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had my loan open less then 2 months only had 1 payment due during this time. The first payment I made of XXXX on my account through the finance app provide from the finance company I choose the selection to apply to amount financed which also a payment was not due at the time making this an additional payment. The bank took interest out of that payment and refuses to reallocate the funds to where they were suppose to go. My current payment is {$570.00} I made my first monthly payment of {$1000.00} dollars almost doubling my first monthly payment had no issue with that cause I know finance charges must come out of the monthly normal payment. 5-6 days later I went back on the same finance application to pay another {$240.00} towards my principal I called the bank before hand to make sure it would be a PRINCIPAL ONLY PAYMENT. The rep assured me that is correct a PRINCIPAL ONLY PAYMENT NO INTEREST TAKEN OUT. Well the payment was finally adjusted on my finance and for the second time theyve taken interest out of my PRINCIPAL ONLY payment. They refuse to reallocate the money. What do I do??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
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: this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This vehicle was initially supposed to be financed with my now ex-husband. I never signed the contract. I asked that the contract not be submitted. The dealership tore the contract up in front of me. I later found out that the dealership had already submitted the contract with my forged signature to Ally despite me asking that it not be submitted. I spoke with Ally and informed them this loan was fraudulent on several occasions. They suggested that I have the vehicle refinanced to remove my name from the account. The issue is that my ex-husband is in possession of the vehicle, and will not refinance it. Once the divorce was finalized I received court documentation that I am no longer responsible for this vehicle. All payments and collection activity should be removed from my credit report per this judgment. I spoke with Ally and asked them to remove the account. I told them I had the court documentation and was able to provide them with said information. They again requested I refinance despite me again stating this loan was fraudulent on their recorded lines. I have since disputed this loan with the credit bureaus, but they returned saying divorce was not enough of a reason to force Ally to remove this account. Again this account is FRAUD. That should have been sufficient enough to have my name removed from this account. I never actually signed the contract that was submitted. My signature was forged which I also explained to them. I have tried on multiple occasions to work with Ally in regard to this account, but they have refused to work with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A