Date Received: 2021-04-02
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: XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}. Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago. I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98144
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Allyauto does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called Ally to ask why it is not reported and did not get any clear explanations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I bought a vehicle from XXXX of XXXX ( XXXX ) XXXX on Sunday XX/XX/2021. I was approve for 9 % with XXXX XXXX on XX/XX/2021. The dealer refused to go with XXXX XXXX and went with Ally who is charging me 14 % interest rate. I am XXXX, on XXXX because of XXXX and have limited income and I believe they lied or did not supply accurate information on my loan to get approval. Ally will not refinance the loan without dealer approval and the dealer absolutely will not allow me to finance with XXXX at the better 9 % rate. The dealer has my trade in and {$12000.00} cash and I am stuck with a vehicle I may not be able to afford at the current interest rate. I spoke with XXXX XXXX the XXXX, XXXX XXXX the Sales Manager and XXXX XXXX. They only offered me a {$200.00} gift certificate and refused to assist me in getting the approved rate from XXXX. I feel they took advantage of my limited metal abilities and limited social skills. I don't understand how they can do this.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: THEY CALL ME ON MANY OCCASION WITH MANY DIFERENT NUMBER EVEN USING SPAM THEY KEEP CALLING ME THIS ACC WAS CLOSE CHARGE OFF SINCE 2015. THEY ALSO CALL ME AGAIN I TOLD THEM WITH COVID 19 DONT HAVE NO MONEY STOP HARRSING ME OR CALLING ME. THIS WAS A SETTLED AND THE ACC WAS CLOSE CLOSE THIS ACCOUNT ALSO MY INFORAMTION WAS SHARE WITH OTHER COMPANY NEEDTO RESPECT MY PRIVASY HIPPA LAW
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I was sued by Ally Bank in XXXX, Indiana. They forum shopped knowing that I was not a resident of Indiana. I have lived in XXXX and XXXX for almost a decade. The auto loan they are attempting to garnishing wages for originated in XXXX XXXX, XXXX. I am a resident of XXXX XXXX, XXXX and work for XXXX in XXXX XXXX, XXXX. The address they used in XXXX is my parents address. My parents told the officer serving the papers that I do not live in XXXX. I was never served court paperwork or contacted at the XXXX or XXXX addresses that Ally Bank has on file. This is obviously because the law would be less favorable to them in these states. To make matters worse, Ally Bank was already notified by the three credit bureaus and the FTC that this loan was the result of identity theft. Im now being order to appear in court in Indiana for a wage garnishment hearing and can not afford to travel there. I know they have violated the FDCPA and many other laws but I cant afford a lawyer and am shocked that it is somehow my responsibility to make sure this unscrupulous bank follows the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX I set up an online Certificate of Deposit account with Ally Bank in the amount of {$10000.00} as a start for my XXXX year old daughters college savings. On XX/XX/XXXX the funds were to be electronically transferred from my XXXX XXXX account. That evening ( XX/XX/XXXX ), my fianc came home and told me were going to go a different route, for her college savings and told me to close the CD I had just opened. I called Ally Bank that day @ XXXX XXXX and spoke with someone to close this account. As we were closing the account, I asked if I needed to do anything on my end. I asked if I needed to cancel the pending {$10000.00} withdrawal from XXXX XXXX, but she assured me that I didn't need to do anything ; that when the money attempted to be deposited in the closed account it would automatically get rejected and return directly to the originating account. I asked again, just to make sure because it felt off, but she reassured me that it happens all the time and the money would indeed return right back to my account. So I acquiesced. I watched to money leave my account on the XXXX as scheduled and then waited to see it return back to my account. I checked daily, and tried to remain patient. By XX/XX/XXXX, I called Ally to check the status. They told me that they never received the money and to contact XXXX XXXX. I contacted XXXX XXXX, they said they never received it back and for me to start a claim. To do so, I was required to file for a stop payment ( which I felt was silly since the money had already been gone for a week at this point ) so I did. XXXX XXXX called to clarified a few things and then by XX/XX/XXXX I received a notice in the mail that they had denied my claim. They claim that they sent the money as directed and had never received it back. I called Ally on XX/XX/XXXX to let them know that I had been denied and to push the issue that they needed to find the money on their end. I spent close to half an hour on the phone and they said they were going to escalate it and I would have more information in a few days. I waited almost a week before calling them back on XX/XX/XXXX. I spent a total of an hour on the phone with Ally that day trying to find some resolution, and another hour on the phone XX/XX/XXXX doing the same, the following day for another 32 minutes ( at this point I believe there was a case number, XXXX ). It was a relentless run around with finger pointing and being on hold while they spoke with " the back office. '' I was again told that things were being escalated and to be patient while they did some digging on their end. I called back XXXX to check the status and was on the phone for another hour [ This is over 5 hours on the phone with them at this point ]. I believe this is when they said that they had figured out the problem and that they were going to have to contact XXXX to get it cleared up. They said I wouldn't need to call back and that it should be resolved in 10 business days. I called a few days later I believe just to check and they again said that I didn't need to call back, that they were working on it. I called again yesterday XX/XX/XXXX and spoke with someone for 35 minutes. They backtracked and told me to contact XXXX XXXX again to try and figure it out, so I explained that the last Ally rep I spoke with said they had traced it and that it was a XXXX issue, not XXXX XXXX. Then they said the same things they have continuously told me and to just wait, that its been " escalated to the back office '' and that I wouldn't be hearing anything for 30-60 days. I am tired of playing the middle man. I just want my funds back so I can use them as intended. Ally needs to own their massive error and return my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I already submitted a Complaint to the CFPB on in XX/XX/XXXX in Case Number # XXXX. This is all over a van that costs a few thousand dollars, which I am happy to give back to Ally, but they kept calling my friends and family and avoiding contacting me. I am a licensed attorney California Bar # XXXX and this van was owned by Stepfather who passed away last XXXX and my mom is severely XXXX and in a XXXX home. I have been dealing with my Mom 's estate, COVID, and the birth of a new baby, along with my busy legal career. I could care less about this XXXX XXXX XXXX, but for some reason Ally Bank repeatedly has someone from XXXX repeatedly harass my elderly and XXXX mom and now my friends and family. This is completely unacceptable and absusive collection tactics, which CFPB needs to know about, because I can defend myself. However, who knows what they are doing to those who can not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX, 2020 my payment did not go through when it was on auto-bill. I reached out to the company and they said that they canceled my auto-bill payments in XXXX. I didnt receive any notification about canceled payments. When I tried to resolve this problem with the bank they did not resolve it. They never notified me about the auto-bill cancelation. After it they left a negative mark " late payment '' on my credit reports. And now I can not get a mortgage because of this mark on my credit reports and Ally Financial will not help me with this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A