Date Received: 2021-04-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ally Financial reported delinquency on a car that was a total loss with gap insurance three times in XXXX of 2020 same loan & debt, was reported 3 times in single month XX/XX/2020 XX/XX/2020 XX/XX/2020 I have attempted to no success to resolve with Ally for months following the accident & total loss of vehicle. The vehicle was sent to write off following unsuccessful dispute resolution. The reporting of delinquency 3 times in month drop my credit substantially as when they additionally turned the remainder balance of XXXX to write off department effectively Ally financial unfairly reporting in single month is ridiculous and damaging consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55021
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Once again I notice Erroneous and Wrong information on my credit reports regarding the account of Ally Financial Bank .... See attachment!!! On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see XXXX pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. I request that this account to be remove from all my credit reports immediately due the fact ALLY FINANCIAL is reporting inaccurate and inconsistent information on 3 different credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: You closed my complaint # XXXX but it has not been corrected by Ally. In fact it has gotten even worse. Ally called yesterday with a request for yet another form. They say there paperwork is incorrect. I now believe this is intentional delay as retribution for my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This is in response to previous complaint XXXX, against inability to open Ally bank account. The company has argued that they are using a different model, where the company model generated a score of XXXX, however check system score XXXX. They have denied my account, because of low score of XXXX. But there is a huge difference between the two scores and clearly one of the model is wrong or faulty. There is no negative information of my check system report and Ally bank score of XXXX is presumably flawed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I filed a complaint against Ally Financial on XX/XX/XXXX and here I am again, experiencing the same issues. The initial complaint on that date was in regards to struggling to make my monthly regular payments, requesting a loan modification due to the pandemic. It was during that time, I was well over 3 months behind. I attempted on multiple occasions, prior to getting behind in XXXX, I was struggling due to a severe financial hardship. The complaint number for that report is XXXX. In that complaint, I had specific dates, times, and names of every representative I spoke with. Each representative told me something different, and I was constantly lied to that someone from the Modification Department would call me back. I know what I was told during that time. I was advised by the Modification Dept., I had to pay my entire past due amount, for a modification. I am a XXXX XXXX Veteran, and reached out to several Veterans organizations for assistance. A credit counselor with one of the organizations, advised me not to not allow the vehicle to get repossessed, even voluntarily, because it would damage my credit even more. I was able to get assistance from two Veterans organizations. A payment in the amount of {$1400.00} was made via debit card on my behalf by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. Another payment in the amount of {$690.00} was made on my behalf via check by XXXX XXXXXXXX XXXX on XX/XX/XXXX. This brought my account current because these payments covered the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After these were paid on my behalf, Ally Financial showed that my next payment would be due on XX/XX/XXXX, in the amount of $ {$470.00}. The Modification Department did not keep their word, because I explained that I could no longer afford {$500.00} or even $ XXXX monthly payments. They fabricated by telling me they would modify my monthly payments, once I paid all my past due amounts. On XX/XX/XXXX at approximately XXXX XXXX, I contacted Ally Financial Modification Department/ECR Team ( XXXX Option # 2 ), speaking with a representative by the name of XXXX. I requested to speak with Ms. XXXX XXXX, the last representative I spoke with in the Modification Department in XXXX. XXXX inquired if he could place me on a brief hold, while he reviewed my account. I agreed as such. After several minutes, XXXX returned on the line and advised me that Specialists were all in a meeting, for the next 45 minutes. He advised me to call afteXXXX XXXX XXXX California time, informing me that Specialists are in meetings from XXXX XXXX to XXXX XXXX daily. XXXX stated he would put in a request for me to receive a call back from a Specialist in The Modification Department. Basically the same fabrications from XXXX. I did not want my account to fall behind again, after getting assistance from non-profit veterans organizations and my account finally current. I went online to Ally 's website, to pull up my account. There was an option to apply for financial assistance through Ally 's website. I took a chance to apply for assistance. It was instantly approved online. An automated message appeared for me to pay {$170.00} as soon as possible, for the plan to go into effect. This was a very comfortable payment for me, as I was able to do as such, on my own. I paid {$170.00} on the same day, XX/XX/XXXX via debit online. It showed my next payment in the amount of {$290.00}, would be due on XX/XX/XXXX. I was able to comfortably make this payment on time, via debit online. After making XX/XX/XXXX payment, it showed my next payment would be due on XX/XX/XXXX, in the amount {$170.00}. I made that payment on time as well, online via debit. It was also another comfortable payment for me. After making a payment in full without being late on XX/XX/XXXX, it showed my next payment would be due on XX/XX/XXXX, in the amount of {$410.00}. I did not understand this at all, after discussing with the Modification Department, I could not afford {$400.00} or XXXX XXXX monthly payments and being told, once I paid all my past due balances in XXXX, it would be modified. On XX/XX/XXXX @ approximately XXXX XXXX, I contacted Ally Financial XXXX XXXX XXXX, speaking with a female representative by the name of XXXX. I explained to her the aforementioned. She placed me on hold to pull up my account. After several minutes, she returned to the phone, informing me that she could find no record of my previous calls, even with the Modification Department. I advised her I had dates, times, and names. She informed me that she would have to forward my request to the Modification Department. I informed her, what I went through in XXXX and no one from The Modification Department ever calling me back and one fabrication after another. I was not rude to her at all because it wasn't her fault, all the lies I was told. I did request an employee ID # as proof that I spoke with her and that I am trying to not have my account fall behind like it did before. I also inquired of XXXX, what is the time frame for The Modification Department to contact me. XXXX advised to give them 5 business days. I contacted Ally Financial Modification/ECR Team on XX/XX/XXXX XXXX XXXX Option # 2 ), After the XXXX of the month, Ally Financial starts charging a late fee. A male representative by the name of XXXX, answered the phone. I informed XXXX of my previous call on XX/XX/XXXX, inquiring of him if he would like the employee 's name and ID number whom I spoke to. XXXX was very rude the entire time speaking with me. He rudely stated that it did not matter if I had a name or employee number, telling me there are lots of people that work there. When I tried to explain to him what I was told back in XXXX by several representatives in the Modification Department, he told me in a condescending and rude tone, that the Modification Department gives decisions on the same day. I respectfully inquired of him if he could review the notes from my previous calls. He refused, stating he can not pull up notes from previous calls. I then requested to speak with a supervisor. XXXX refused to do as such. As a XXXX XXXX XXXX that suffers from XXXX and XXXX, I felt myself starting to get agitated. Back on XX/XX/XXXX, I ended up in the emergency room at XXXX XXXX XXXX XXXX XXXX, due to the same treatment by Ally Financial representatives. It was all stress related. Here again, I am getting the same rude treatment and as a result, I respectfully ended my call with XXXX. I was unable to get an employee ID number. All I know is, he had an accent, was very rude and extremely unprofessional. This is the kind of people that Ally Financial allows to have access to customer 's personal information. On XX/XX/XXXX at approximately XXXX XXXX, I contacted Ally Financial Customer Service Department ( XXXX ), instead of the Modification Department. I did not want to risk speaking with XXXX again and I knew I had to get some type of resolution with my account to avoid falling behind. This time, I spoke with a female representative by the name of XXXX. I explained to her my previous call with XXXX and my call on XX/XX/XXXX with XXXX. XXXX inquired if she could place me on a brief hold to review notes and my account. I was on hold for several minutes, with XXXX never coming back to the phone after approximately 10 minutes had passed. At approximately XXXX XXXX ( this is all Eastern Standard Time ), I contacted the customer service department again ( XXXX ). The call dropped after I entered in my information through the automated system ( i.e. account number ). I immediately called back at approximately XXXX XXXX ( Eastern Standard Time ). I spoke with a female representative by the name of XXXX. She pulled up my account and informed me that {$410.00} was due, inquiring if I was prepared to pay this amount today. I explained to her, all over again, everything that transpired with The Modification Department and one fabrication after another being told to me since XXXX. XXXX stated the only thing she could do was set up a payment arrangement, inquiring as to how much I could pay. I informed her I could pay {$250.00} on Monday, XX/XX/XXXX. XXXX then inquired, when would I be able to pay the remaining {$160.00} for XXXX 's payment. I informed her that I could make that payment on XX/XX/XXXX, my next pay day. XXXX informed me that she would notate my account as such, however, she stated I would still be charged a late fee after the 10 day grace period. I inquired, if the late fees could be waived and she stated that they could not waive the late fees. I tried to plea with XXXX about the late fees but she stated there was nothing she could do to stop the late fees. Monday, XX/XX/XXXX, I went online to Ally Financial and made a payment in the amount of {$250.00} as agreed in the payment arrangement. As of today, XX/XX/XXXX, Ally Financial has my regular payments in the amount of {$590.00} resuming on XX/XX/XXXX. This makes no sense to me. It has been one inaccuracy after another with Ally Financial, one fabrication after another, lost notes, lost documents, and being told something different from one representative to the next. Ally Financial does not hold itself accountable for their mistakes, errors and telling customers someone will call them back. But, when you are late on your payment, they call all day, from morning to night, send emails and letters. I kept my end of the bargain by getting assistance through Veterans non-profit organizations to bring my account current ( 4 months worth of payments ). Why are my payments still set at a high {$590.00}? I have yet to hear back from Mr. XXXX XXXX, Mr. XXXX XXXX or Ms. XXXX XXXX or any other representatives in the Modification Department/ECR Team from calls to them on XXXX. I have no reason to make this all up, which is why I get names, dates, and times of whom I speak with and departments. Ally only responded on XX/XX/XXXX, through the initial consumer complaint I filed. That was only after a payment on my behalf was paid to them in the amount of {$1400.00}. Their response then still did not make sense. Ally Financial has proven to be a company that is misleading and mistrusting that allows employees to treat customers with rudeness and no compassion during these trying times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted XXXX and the Creditor XXXX Ally Financial XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I mailed a certified with a sign receipt to Ally Financial XXXX XXXX The company received my offer letter to settle a debt and I received my sign receipt back sign by someone from the company on XX/XX/XXXX. As of today XX/XX/XXXX I have not recveived any mail or phone calls regarding my settlement offer. I am requesting that this collection account with Ally financial be removed and deleted off my credit report. It has been over 30 days without a response from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas. I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement. On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out. On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue. On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check. Shortly thereafter, I deposited the insurance check via mobile deposit. On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check. The insurance check is not a travelers check, money order, or postal money order.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A