Date Received: 2021-03-29
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I am about to report to you today that it is XXXX of me to believe that there are still people out there you can trust. I always thought the XXXX XXXX was a dealership that values customers more than just making a profit. I had purchased one before the last two vehicles I am currently financing through Ally. On XX/XX/XXXX, I stopped to check out the new GMC terrain and ; I liked what I saw and decided to go ahead and prepared the package and keep the payment up to $ 550 monthly. They told me to go ahead and take the vehicle, and they will call me when all the paperwork. Two days went by, and they were having problems finding the buyer of the portfolio. Suddenly on XX/XX/XXXX, I received a call from them telling me that everything was ready. When I arrived, they were still working with the financial institution, and they could not get the payment to be on or below {$550.00}. I asked what the price would be at their request, and their answer was 618. After 3 hours, and agreed to the amount, and I signed the contract where they told me to sign, and I was tired of waiting. I trusted them because of the last purchase I made in the past. The exact process happened on XX/XX/XXXX ; I called the person I always dealt with, and I explained to him that my wife 's SUV was about to go out and that I needed to get a used and cheap vehicle. I gave him the amount that I could afford at the time. I went to the lot, picked up the car, and told him to call me when the paperwork is ready. Same problem, took them a couple of days and finally called me on a Saturday to stop by to sign documents and make it official. That time was fast, and the same thing salesman assigned to me told me where to sign, and I did. I made my payments, and I lost my job and did my best to keep up with them. I was unemployed for almost a year. Ally was patient with my financial situation. The problem was that they have too many collectors, and I know I spoke with at least 12 collection agents, and they always tell you they understand and that they will call me back with a solution, and it never happened. One of them was so disrespectful, and he threatened me with sending a tow truck to repossess my wife 's vehicle. He kept asking me for a payment, and I told him that I could write him a check, but it would no clear my bank. He got me to lose my mind the minute he threatened me with the vehicle 's reposition, and I will not deny it and used foul language and told him that I would go to Florida and find him. I complained to XXXX and nothing happened, even though he violated the collections ' procedures because the very next day, he called me again. Another collector told me to go ahead and turn in my keys. They were stressing me out so bad. I sent them emails requesting help from them. Finally, I received an email stating that they are willing to help, and what happened? They sent a tow truck and picked up the vehicle anyway. I had to sell articles from my house, jewelry, and other things to come up with the money. The day my wife and I went to pick up her vehicle, the person working for the towing company disrespected my wife, and I was about to XXXX his lights out. They damaged my car. Ally 's representative told me that it was their problem and not Ally 's. Doing the math, I just realized that I paid close to {$40.00} for both vehicles all this time and that I am halfway to fulfill the contracts, meaning that I have to pay another {$40.00} making a total of {$80.00}, which I believe that is abusive. My accounts were taking off from my XXXX profile, and I also asked them about it, and I did not get any straight answers from them. Had I known not to trust the people involved, I would not be in this problem, nor would I had not signed any contract. All the pressure to sign and get out is unbelievable. Nobody and his right mind would do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
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: On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i have disputed this inquires on XXXX and i still have not receive any result.
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My account opening was denied because of unfavorable debit history. Ally used check system, where they said i have a score of XXXX. However, when i obtained the score from check system, it was XXXX. There is no negative information on my account.
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: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I phoned Ally and spoke with XXXX to request requiring two-factor authentication ( email and phone ) whenever I log in to my Ally account. He created case # XXXX and said somebody would contact me within two days. Nobody contacted me so I logged into my Ally account - which I really didn't want to do, as another non-Ally password was hacked and I'm concerned about security - and sent a message asking for two-factor verification. XXXX XXXX responded that the request # XXXX was created but did not go through. She created another case # XXXX to escalate the case. Also another case # XXXX - I have no idea what that's for. She wrote " you will still receive multi-factor authentication notices/security code requests to your trusted devices as well as from any other device via different location, public facility, hotspot, which will alert you should anyone other than yourself is attempting to log into your Ally Bank XXXX '' which is completely NOT true. I was able to log in just now and it only asked me for my password and sent ONE code, to my email, rather than the TWO codes I had requested ( an additional code to my phone ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. ALLY FINANCIAL, XXXX on XX/XX/2019. XXXX XXXX XXXX, Inquired on XX/XX/2019. XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, I had my lease bought out by a third party dealer. Ally has received the payment for the buyout. I noticed in XXXX that my account online was showing past due on the website. I called Ally XXXX and after an hour of reps not being able to figure out why, I spoke to a supervisor, XXXX, who told me NO ACTION is needed on my part and Ally and the Dealer are finishing paperwork and I should not make payments.. However, now they are reporting that my account is PAST DUE on my credit report, significantly dropping my score. I spoke to another supervisor today XX/XX/26 who told me this is correct but there is nothing they can do to report the correct information on their side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48060
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A