Date Received: 2021-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX rep id : XXXX @ Ally Financial, stated my XX/XX/2021 payment was considered negative and reported negative 30 days late to the credit bureau because Allys 3rd party payment vendor application system didnt post the payment til the following day being it missed the XXXX cut-off time. I asked XXXX if I may speak with her manager. She replied, the mgr was tied-up on the phone with other customers ... I replied, I will hold. The contractual agreement I signed with Alley for my auto loan states my payments are due on the XXXX of the month & reported negative/late the XXXX of the following month if XXXX more days past due. My pymt was accepted and processed via the lenders automated system on XX/XX/XXXX, exactly 30 days after XX/XX/XXXX. I called to confirm no late negative reporting had been reported to the credit reporting bureaus with my account ; however, was informed my payment was considered late because Allys 3rd party vendor XXXX XXXX XXXX does not post pymts after XXXX, M-F. I have not received any written disclosures in regards to these changed terms and Allys billing system consistently updated with an incorrect mailing which explains why I never received notification via the postal mail of changing billing terms. This is wrong that Ally Financial practices illegal and predatory lending and gets away with destroying customers credit by reporting negative, erroneous, false account payment information. Allys 3rd party automated phone payment vendor system asks the account holder what date he/she would they like to process their pymt, I entered the XXXX, the same day as my call and the automated system accepted my pymt, then provided me the confirmation #. However upon speaking with a live person, XXXX, on the XXXX I was informed my payment was late & will be reported as late to the major reporting credit bureaus. This is concerning & saddening to say the least! It is absurd!!!! Please stop this raping of customers from Allys falsified, erroneous and negative credit & billing reporting actions!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I've called in 3 times to try and get a 2 month deferral due to several reasons. 1 being 3 time XXXX patient. 2. lost my boss to covid so ive lost my extra income. 3. family is struggling with covid. they say i'm maxed out. ive told them i cant make a payment until XX/XX/XXXX when i get my next social security XXXX check and even then it will only be for XXXX and i owe 2 months. I have XXXX and they keep calling even though ive explained i cant do anything until the XXXX. they are causing me XXXX XXXX. i've having a hard time just keeping going and not XXXX myself these harassing calls arent making it better nor is the fact i know at this point they can repossess the car at any minute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally financial continues to report account past due, which contradicts the Cares Act law that agency are required to report account as current. I have called every month since XX/XX/XXXX trying to get some assistance. On XX/XX/XXXX, Ally employee states that they have no knowledge of this information.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally FinancialXX/XX/2019 - Hard inquiry ( never authorized ) My credit has a fraud victim alert so I'm very unsure how this credit pull was authorized without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
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: My car got totaled I called Ally Bank for my title they will not turn it over cuz they said I still owe them money for the car and I told him no I don't you got sued in XXXX or XXXX for over financing XXXX with their vehicles and I was one of them and I got paid a check me and my mother she was the cosigner we got a {$13.00} check a piece so I don't owe you no money you got sued for over financing me a XXXX XXXX for over {$36000.00} and I'd already paid you over XXXX and they still said I owe them {$10000.00} for the vehicle so it would not turn my title over to the insurance company so I can get paid for my car that was total they want the money so I'm calling you and see if you can help me because it was consumer financial protection bureau and the department of Justice that sued are made Ally pay back this money so if you can help me and my insurance company is XXXX and it's the claims department if you can help me with this I appreciate it my phone numbers XXXX and my name is XXXX XXXX
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I had an auto loan with Ally that was paid off in XXXX, XXXX XXXX. When preparing to sell the vehicle, I discovered that Ally never released the lien on the title with the Virginia XXXX. I called Ally on XX/XX/XXXX to have them provide a lien release letter to me so I could visit my DMV and obtain a title so I could sell the vehicle. The representative advised me that Ally is unable to email documents, has no brick and mortar locations to pick up documents, and can only be mailed ( 7-10 business days ) or faxed. I advised the representative I am working from home and have no access to a fax machine that day, so please mail the document and I will call back with a fax number once my wife is in her office. I called back on XX/XX/XXXX with a fax number and was told they can not fax the document for 24-48 hours. Having a DMV appointment that evening, I requested for the representative to call the department to see if it could be expedited. When the representative refused, I requested to speak with a supervisor. When the supervisor came on the line, they did not have any account information of mine to review, and simply reiterated that they could not rush the process. I asked them if they could please call the support office, and the supervisor said they can not because they department does not take phone calls. I requested to speak with someone who can contact the department, and was offered their manager. I was then placed on hold for two hours and 48 minutes without anyone coming back to check in. To date I have yet to receive an explanation as to why this happened. While on the phone, I utilized facebook to send a message to ally explaining the situation. I was told I would receive a call. I then hung up and immediately called back, requesting to speak with a supervisor again. I was told that the fax was sent over an hour ago. My wife checked the fax machine and there was no fax. I called back again and advised the rep that the fax was not received. The rep advised me she would call the department to request it be faxed again, which I assume was the same department that could not be contacted in my previous phone calls. The rep returns to the phone to advise that it can be refaxed, but will take another 24 hours so the department can ensure all info is up to date. I am not sure what information would have changed within the hour that would cause them to want to retain the lien on a vehicle that was paid off in XXXX. At this point I received a call from the executive office of ALLY. I provided all information on the situation and was advised by the employee that they would research and call me back. I stressed that I had an appointment with the DMV that evening and needed this situation handled by XXXX XXXX EST. I was advised that they could not guarantee it could be completed, but they would definitely call me back. I never received a call back for the remainder of the day. I sent another facebook message to the company that night expressing my displeasure. The following day, XX/XX/XXXX, I received a call back from the employee from the executive team that I previously spoke with, and he advised me there still was no update. I asked him why I was not updated prior to XXXX XXXX EST yesterday when he was advised of the pending DMV appointment. The employee became somewhat confrontational, advising me he never told me WHEN he would call me back. I then advised him that while no specific time was provided by him, it is good customer service to call back with any update if they are aware that this is a time sensitive issue. The tone of the representative was that he was doing me a favor for looking into this situation. As of writing this letter, I have yet to receive any updates on why there is still a lien on the title to a vehicle thats loan was paid off in XX/XX/XXXX, why I was placed on hold for almost 3 hours, and I have yet to receive a lien release letter. The next available DMV appointment is a month away. This issue has caused me to lose the sale of my vehicle, and to delay the purchase of a new vehicle, and to miss out on the vehicle I was looking to purchase. While I do not have exact number, this situation stands to cost me thousands of dollars due to the missed opportunities to sell and purchase a new vehicle. The customer service received over the phone is some of the worst I have ever experienced. I have informed the company that I will also be moving the {$72000.00} invested with Ally Bank as well due to this experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I purchased an engagement ring from XXXX XXXX for {$5000.00}. My debit card was declined, so I called Ally Bank. Ally advised me that they removed the block and to go ahead and retry the card. The card declined again and Ally advised me to retry it again for {$4900.00}. This repeated several times until a transaction eventually went through for {$4900.00}. On May 17th I noticed that 6 duplicate transactions went through for this purchase. 1 was the last one that went through, 1 was automatically reversed by the merchant, and 4 were uncorrected duplicates. Of the 4 uncorrected duplicates, 2 were for {$4900.00} and 2 were for {$5000.00}. These totaled {$19000.00} in uncorrected duplicate charges, overdrafting my account. I called Ally to have this corrected and they advised me that the dispute process would take 10 days after which I " may '' be awarded provisional credits. I advised them that I could not afford to be short {$19000.00} for two weeks, but they said they couldn't help me. They advised that the merchant couldn't help me either since this was a bank error, not a merchant error. Why can they not grant me a provisional credit when they know it's their error?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98686
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account opened XX/XX/2015. No Account number is XXXX .I sent ally financial affidavits showing the car loan showing as a charged off account was a identity theft account. It was obtained by my sister XXXX who had access to my information. I had officer statements showing I do not I've in XXXX XXXX where car was bought, as well as my sister 's statements to officer thst she used my name to obtain things such as police report, I'd theft report which states legally they must remove from 3 credit reports. My attorney said do this last and if it remains he will file suit in my local court to file suit and make them remove it.my sister trader in a car to get this vehicle from XXXX XXXX and XXXX immediately removed it within days. My social security number is XXXX I have my credit reports frozen so it's fine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84037
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am reporting ALLY financial. I have sent numerous emails and online chats requiring a supervisor to reach out to me and have been denied each time. These attempts were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. There were also many failed phone calls with horrible representatives who promised I would get return calls but never did. No one has took the time to look over my account and correct it. I have never had 25 late payments as they report to the credit bureau. I have paid extra payments on my account that have not been applied correctly and still overcharged late fees and past due ammounts which affect my credit. I can not get anyone to correct this so I can apply for a mortgage. Please help me get someone to look into this account for me.
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: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A