Date Received: 2021-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i was a victim of identity theft and i want these fraudulent charges off my credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
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: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reviewed a copy of my credit report and I show company ALLY FINCL account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This letter is to follow up to my original letters dating back to XXXX that I sent through certified mail that I have proof you received requesting original documents for debt you claim is mines. XX/XX/XXXX my attorney sent a letter to you Requesting original documents again and they were never received via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. You are also reporting a charge off on my credit report in which youve never sent me a 1099 tax form within the legal timeframe that the FDCPA allows. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore you have not validated the debt, you must request that all credit reporting agencies delete the entry. If you fail to remove these entries this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me. I also submitted a complaint with the Attorney General and I am prepared to move forward in small claims court for damages so I am making this final goodwill gesture to allow you to correct your erroneous reporting. I have been maintaining a careful record of my communications with you for the purpose of filing the complaint I submitted against you with the Attorney General and moving forward in small claims court. You will be liable for your willful non-compliance. I am also including a copy of my complaint to the Attorney Generals Office and the XXXX XXXX XXXX. According to the law youve exceeded the timeframe to provide these original documents therefore the inaccurate entries need to be deleted from all 3 credit bureaus. I will also be sending a copy of the certified letters I sent dating back to XXXX to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. Cease your reporting of this account on my credit reports immediately. Prior to our court date that will be scheduled later if you should decide to correct your records and remove the negative and false item in question I will subsequently withdraw the lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I paid {$600.00} via cashier check. & I got the signed copy from the XXXX. I am running in the issue as follow : It is not notarized or recorded. There is nothing stating they paid the $ XXXX as per the agreement verbiage to have the loan released. Here is the response I received from my Refi broker. This looks to be a the actual short sale settlement agreement setting the terms the borrowers must comply with in order for the bank to release. - ( I don't know what are the terms ) We will need written proof from XXXX/Ally that all funds due have been paid and the loan is officially released. Here are the actions I have taken. ( 1 ) Today, I have left vm to XXXX XXXX AT XXXX XXXX AT ALLY BANK - She is the person who I am working with about my issue. ( 2 ) I also have send email to Lien release department. ( 3 ) also XXXX, XXXX XXXX -Email address - XXXX. - she is the person who had emailed me settlement offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had taken out 3 loans with Ally lending. They sent me detailed communication on how to enroll the first loan account ( XXXX XXXX XXXX XXXX ), but I received no communication on how to enroll the other two accounts. I did not even receive the account numbers for the two accounts. I started receiving text messages that my payment was overdue. None of the text messages mentioned on which account was my payment overdue. When I logged into their system, I could see only 1 account and the payments were being made on time. Which confused me. I started receiving more texts. I then had to call customer care on XX/XX/2021 to find out the other account details, enroll them and then pay the loans off. The account representative 's user name is XXXX. In summary, while I received detailed email instructions on how to setup payment for the first account, I did not receive any communication for the other two accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Allied financial keeps calling me about a neighbor of mine who I hardly know. They are now calling one of my employees several times who doesn't know him at all and asking to have me call them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: On the morning of XX/XX/XXXX I saw a XXXX XXXX XXXX Pick-Up truck online and knew I had to have it. Id been looking for the right vehicle for a while. Well the internet said the vehicle was located at XXXX XXXX. I got to XXXX around XXXX that day. I pulled up and there were two salesmen standing outside having a great conversation. I could tell because whatever they were discussing was hilarious, as I could tell from the jovial exchanges. I proceeded on to the lot to search for the truck. I did not see it so I walked back towards the used car office and neither of the two salesmen outside seemed interested in assisting me so I went inside. Upon entering no one said a thing as everyone was looking at their cell phones as I panned the room. The guy at the desk right as you enter looked up from his phone and didnt say a word. The salesman behind him came over and asked if he could help. I told him about the truck and he tells me he does not know what truck I am talking about. I show him the truck on my phone and he says the truck is not there. He says he will go and get a list to look at what trucks they do have and he will see if he can locate the truck. I find the truck on the lot. The salesman comes back and says he found the truck and it is on the lot. I let him know that Id already found it. We look at it and he says he has to go get the keys from service. He comes back and we look over truck and I am satisfied and ready to purchase, without being driven, and pointing out seepage from the rea differential/axle area. The salesman and I go into the office and discuss numbers. The salesman brought over documents that reflected a charge of {$790.00} for tint and anti-theft deterrent. When I questioned the charge they could not tell me what the charge covered. I was told it covered tint ( the truck already has dark tinted rear windows and tinted front windows from the manufacturer when the truck came from assembly ), and some anti-theft deterrent ... but no one could explain what it was. I advised them that the truck was already tinted and the sales manager asked my salesman and he said he didnt know. How can you be selling me a product when you dont definitively know what is already there to begin with? The salesman went out to check and came back to advise yes it was. When I tried to revisit what the anti-theft deterrent is that was included there was no clear explanation so it was removed, without explanation. We went on to haggle over how close they could get to my range of $ XXXX monthly payment. I explained to the sales manager that I want my payment to include the extended warranty. We went back and forth this way where he would disappear into an office and come back with the best they could do. Every time we talked I asked about the extended warranty and if this vehicle would qualify. He kept telling me it should. The last time he came and brought me the numbers I advised him to verify that the vehicle qualified for the warranty and that it would be included in the payment amount of $ XXXX. When the sales manager came back he said he spoke with the finance manager and we could get the payments and warranty in the aforementioned range, I shook his hand and agreed to move forward with the purchase. The finance manager comes out to get me and takes me to his office. We began discussing the truck. He lets me know that if anything happens to the interior of the truck, like stains tears rips and things of the like ; I have 5 years and they will repair it. My salesman never mentioned this, neither did the sales manager. I thank him for letting me know since no one else informed me. I was also informed that XXXX decided to throw in 4 oil changes with vehicle purchase. I am really impressed with the added values being thrown in by XXXX. The finance manager presents me with the numbers and when we discuss him I question him on the extended warranty for the truck because the monthly payment is $ XXXX, not what was discussed with myself and the sales manager. I explain to him what was discussed before I came back to his office with sales. He tells me the other extended warranties did not apply because of the mileage of the truck. I asked him if there were any other numbers that could be adjusted to get me in the range of what was discussed between me and the sales manager. He says no. In good faith and consideration on my end, I sign where he tells me to. I am under the impression I dont have any other option in regards to the extended warranty. I unknowingly signed for a warranty for the repair of my seats for 5 years, listed under the only extended warranty applicable to the truck per the sales manager. The sales manager pulls up the contract on his computer screen that is the desk and highlights yellow places for me to sign. In good faith and consideration I entered into this contract, also signing that the contract was given to me and that I was free to take it and review it. I was not given this contract to take and review prior to signing. The sales manager also signed that this happened. When I did review the contract I saw additional charges I was not made aware of during the signing of the contract. I was made aware of the following charges : {$1000.00} CILAJET Warranty {$4100.00} XXXX XXXX XXXX XXXX I called the sales manager the next day via his cell, though he was off, he assured me he would take care of it by reducing the cost of the Service warranty by {$1500.00}, the difference between that one and the lesser one ( that I did not qualify for the day I was in the office ). He then went on to say he automatically puts people on the most expensive one so that they wont come back mad if something is not covered. I explained I did not need him to think for me. I have purchased enough vehicles to know what I want. He said he would fix it on Monday by calling me to find out if I wanted to cancel the whole thing or take the discount and keep the higher service contract. Monday came and and went. I called him on Tuesday and he said he thought I was supposed to be call him. From that point on there were no more phone communications. I advised him I only wanted to correspond via email for transparency and a record of communication. Be advised I still do not have he truck I purchased on last Thursday and at this point it is the following Tuesday. The salesman did not call me on Monday for an update on the delivery I was promised on Monday by him at the latest. So I called to find out what is going on because I watched the truck being driven over to service while I was there on Thursday. He said they were waiting on parts, I say ok. I called back on Tuesday, he could not tell me what was the issue with the delivery of the truck. He told me they were waiting on parts. I asked what parts? He could not tell me. He continued to brush me off with the same line, parts. I drove up to XXXX to find out what parts. The service manager showed me a list of things they were taking care of and were waiting on approval from the parts manager. No one was able to tell me when this approval was coming, if the parts were ordered, where they had to come from, not a thing. I asked to take my truck home and that was an issue. They did not want me to leave with it for liability reasons, stating it has not been repaired by service yet, it has to have its inspection. I still wanted to take it and have them call me when the parts come in and I would bring it back. The did not want that. So the offered to put me into a pick up instead of the XXXX I was in. My watched my salesman bring me a traded in truck from the same place I found my truck. When he gave me the keys I asked him one question. I asked has this truck been inspected, being that liability is whats important and keeping me from taking my truck, he looks at me and tells me he does not know. I refuse that truck and ask for a new truck. I was equipped with a XXXX XXXX XXXX. I have since requested three times the contract be nullified to reflect the correct terms. They are stating they cancelled the items. I dont want the items cancelled as it was not disclosed 1. I was purchasing the 5 year interior protection for {$1000.00}, nor were the options for warranty packages presented to me. I was told my vehicle only qualified for one and even then the cost was not disclosed. I was told a nullification / revision of the original can not happen. I spoke with a representative at the financial institution and was advised all the dealer had to do is submit the changes. I still do not have the truck I purchased, today is Wednesday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts. My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ). I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ). Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation. As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A