Date Received: 2021-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ). Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount. I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX. Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio. My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37388
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I got behind due to reduced income as a result of the pandemic. I tried to get assistance through Ally, my lender in XXXX. What I really wanted was a repayment plan to get caught up. The person who answered the phone somehow doesn't have the authority to access my account. So he transferred me to another department. The new department said that it is the job of the previous department to assist with this request. They transferred me to another person who said I should just call back another day and the call ended. The company started calling me at work hours. Every time they called, they would hang up after the first ring and I didn't have time to answer or I had a notice of a call and it had never rang. I finally was able to call back. This time the person I spoke with said I could have an extension.after many questions, It sounded like he was trying to offer forbearance. He said the pYmenr would be made at the end of the loan. I asked it this would be a balloon payment. He had no idea what that meant. So he transferred me to a female who was extremely irritated that he was bothered. She refused to answer the question because she didn't see that I hand been approved for nor did I have an extension. She told me that I had to ask for it on the app andd the call was terminated. I sent another message about this on the app. I paid my payment for XXXX online. And I got a response to my written request. The response was that I had to call them. They continue to call me at work during work hours. I did finally catch one of their calls. It was someone thanking me for my payment and sing I was up to date. I said that seemed strange because of how I had been behind. She said she had not looked at the account and when she did she said that she guessed am behind and to make a payment. I called back this evening. I explained what has been happening and that I needed. She said she would give me rips on paying my bill. I told her that is not what I need. I need a repayment plan. She too said something about an extension and then told me that time it is and that they close in 30 minutes. She then said I should make more smaller payments through the month. I finally said I didn't think we were.cimmunicaribg because she is not giving me what I am asking.for so I asked to speak to a supervisor. She said no. I asked her to clarify and that she was denying.my request to speak to a supervisor. And she said that I may not speak to a supervisor. I asked he for her identification number because I would be including it here in this complaint. She said it is XXXX. I just want to be able to get caught up. I thought lenders/loan servicers were supposed to h be helpful during this pandemic. Up until now, they have been everything bit helps. They need to pay a fine for the run around and heartache they are providing me. They should figive at lesst half of the XXXX of arrears because of their unwillingness to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Ally Financial is reporting error that the final vehicle payment was over 30 days late. I did not own the vehicle and was under contract with the XXXX XXXX XXXX XXXX XXXX Florida and XXXX XXXX XXXX XXXX for the vehicle I purchased in late XXXX of 2019. I attempted on numerous occasions to compel XXXX XXXX to make the payment timely and could not afford to make the new payment in addition to the payment the were obligated to make to pay off the loan on the vehicle. I advised Ally Financial of the situation, yet they are reporting the negative information to all three credit bureaus and has thus far taken no responsibility to accurately report the information, which should be reported against XXXX XXXX XXXX XXXX XXXX, Fl given their contractual obligations to pay off the loan on a vehicle they owned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called the company were I was making payments to on XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Trying to make payments arrangements to catch on the Past Due of {$1400.00} I was behind Several payments. They refuse the {$1400.00} and said that they wrote the car off and wanted the full amount of the vehicle {$11000.00} the amount we Financed the vehicle for 3 years ago. The car payments were {$290.00} a month. I called my chapter XXXX bankruptcy attorney to see if the car could be added back into the plan, he said no because when we had the car in the plan my wife who is also in the bankruptcy plan, took the car out of the plan and try to make the payments on her own until she was laid off of her job in XXXX of XXXX.due to the Pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We refinanced our mortgage from Ally Bank to XXXX XXXX. The account at Ally Bank closed on XXXX XXXX, XXXX. We still have not received the funds that were in our escrow account with Ally Bank XXXX over 30 days after closing ). Ally Bank said they sent a check on XX/XX/XXXX and we would receive within 4 business days. They don't have a tracking number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was attempting to refinance my car with the bank I have my personal loan through. When I spoke to the person about refinancing he stated that my current loan looked funny, that its weird that after two years of me being XXXX a month I have only paid down XXXX off my loan. I called them on XX/XX/XXXX for a payment breakdown and they said they'd give it to me but I never received it. When I emailed them again I received this response : From Ally Auto XX/XX/XXXX Hello, The following is the information you requested regarding your account with Ally Financial. Per the terms of your daily finance charge contract, Ally Financial earns a finance charge on a daily basis. Each days finance charge is based on the annual percentage rate on your contract and the unpaid balance of the amount financed that is outstanding on that day. The formula for computing the amount of finance charge that we will assess to your account is : the Annual Percentage Rate divided by 365 ( or 366 for a leap year ), multiplied by the actual number of days from ( including ) the last posting date to ( not including ) the current posting date, multiplied by the current outstanding balance of the amount financed. You can control the total amount of finance charge you pay during the life of a daily finance charge contract. You can do this because each day has significance in the assessment of the finance charge. If you pay a payment early ( before the due date ), a lesser amount of finance charge is assessed. Conversely, if you pay a payment late ( after the due date ), a greater amount of finance charge is assessed. Sincerely, Ally Bank If you submitted more than one request, you may receive additional responses in a separate message. So I responded and said : So basically you're saying I need to report my account to the ftc? Because ya 'll have taken 80 % of my payments and only applied 20 % to my loan amount. They responded with : From Ally Auto XX/XX/XXXX Hello, We received your request for account information. Due to the nature of this request, we need to speak with you by phone. Please call us at XXXX ( XXXX ), Monday - Friday, XXXX XXXX - XXXX XXXX ET and Saturday XXXX XXXX - XXXX XXXX ET. Closed Sunday. Sincerely, Ally Bank If you submitted more than one request, you may receive additional responses in a separate message. I then called them, I was told I could not get a payment breakdown, I was told that all my payments have been late therefore going to my interest. I explained to them that collections department stated I have from the XXXX to make a payment monthly, I only get paid twice a month and the first check goes to rent the second goes to my car payment. Collections stated its not late if I pay on the XXXX ( which I do through debit payment so it comes out my acct and hits my account on the XXXX to avoid returned payments ). I asked why my last three on time payments none of the money was applied to my car loan amount she stated because they were late which they were not. I asked to speak to a supervisor was transferred with no answer and no return call. I then emailed them again asking for a payment breakdown. They did provide one to me as of today. I was denied the option to refinance due to the high amount of the balance of my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A