Date Received: 2021-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a lease agreement with Ally Financial. The lease end was XX/XX/XXXX. I made the final two payments towards the loan in XXXX. One on XX/XX/XXXX in the amount of {$310.00} for the month of XX/XX/XXXX and the second on XX/XX/XXXX in the amount of {$300.00}, which was the remaining amount due on the loan. I needed a letter from Ally to XXXX XXXX, who I was initiating a new lease with, that the account had been paid in full as a remaining balance of {$300.00} was showing on my credit report. When I called Ally for the letter I was told there was a remaining balance owed for property taxes and they could not send a letter that the account is paid in full until those charges had been paid. I paid the balance in full over the phone via XXXX XXXX Wire Transfer on XX/XX/XXXX in the amount of {$1300.00}. I was told my account was now fully paid and closed and they in turn faxed a letter to XXXX stating that there was no remaining balance due on my account. Two months later I received a bill from Ally saying I owed {$550.00} in property taxes and {$790.00} in extension fees. The extension fees were due to XXXX not returning the vehicle on time and they worked with Ally to remove those charges. I disputed the {$550.00} property taxes, requesting documentation of validity of charges and was never sent any supporting documentation for these charges. I refused to pay as these charges were not valid. I called Ally several times trying to reconcile this issue, but they never sent me anything to support the property taxes and only sent bills monthly while simultaneously reporting this negative information to the 3 credit bureaus. It has been almost 4 years now and I recently disputed with the credit bureaus and Ally continues to say I owe this and now has reported a recent missed payment and past due balance of {$550.00} as of XX/XX/XXXX. This has very negatively impacted my credit score and I am extremely upset. It is not right that I should have to " pay off '' Ally an amount that is not valid in order to get this resolved. In disputing with the credit bureaus I feel they automatically take the creditor 's word over the borrowers and that is not right. I would like for this charge and the negative history reported with it since XXXX removed from my credit report but do not know what else to do at this point. Thank you in advance, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking/debit account with Ally Bank on XXXX XXXX, 2021. I was attracted to this bank because it advertised the ability to make large mobile deposits, whereas many other banks restrict mobile deposits to amounts under {$1000.00} or {$2000.00}. My deposits tend to be larger amounts because I receive crop payments from farm land, and it's been difficult to get to the bank during the pandemic so I wanted the convenience of depositing checks from my home. On the date I opened my account, I deposited {$6900.00}. I activated my debit card on XX/XX/XXXX and tried to purchase an area rug for about {$600.00}. My card was declined several times so I contacted the bank. The agent told me that my debit card was denied due to exceeding the daily withdrawal limit of {$500.00} per day in point of sale transactions. I was told the limit would be increased after 90 days. Ally Bank did not disclose this daily spending limit in a way an average consumer or even an educated consumer could understand before opening the account. Although I was told the daily spending limit was for the " benefit of the customer '', I suspect Ally Bank is enticing consumers to open accounts by allowing large mobile deposits, but then severely restricting the use of those funds for 90 days in an attempt to strengthen its balance sheet. In other words, there is an inherent imbalance if a bank makes it easy for consumers to deposit large amounts of money " in '', but makes it difficult for consumers to take money " out. '' As a consumer, I felt swindled when I learned that I could not access my own money to buy simple household furnishings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from Ally Financial and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of 2020 I contacted Ally and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. Ally told me they understood and then reported the loan late to XXXX 30 days. In XXXX of 2020 I actually contracted XXXX and was sick for nearly 90 days. I again contacted Ally and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX 60 days late in XXXX. To XXXX Ally reported the loan 30 days late in XXXX, conflicting reports. I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When I opened my Ally account 6 months ago I opted out of EVERY " information sharing '' option they gave me. Today I get a general Privacy Info letter telling me I need to go to their website to opt out again! I go to said website but their website WILL NOT LET ME OPT OUT! I enter my account info, my info & try to " continue '' by clicking that button, but website does NOTHING. I am stuck there unable to opt out of their privacy invading tactics! It's a XXXX tactic & I hope you can put a stop to this. thank you. Attached is an image of the point at which Ally Bank blocks my ability to opt out of info " sharing ''. There is a 'continue ' button that does NOT work. I can not continue in any form past that point. Essentially blocking my ability to give my preferences
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. ALLY FINANCIAL XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action. On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account. On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX. Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A