Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased the truck XX/XX/XXXX. Loan Account # On XX/XX/XXXX, the truck was involved in an accident with a fatality on XXXX XXXX XXXX. Louisiana XXXX Police towed my truck to a wrecker yard of my choice as well as the other vehicle, but a hold was placed on the vehicles due to the fatality and the investigation into the cause of the accident. The wrecker yard that I asked them to bring my truck to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Louisiana because I work in XXXX and I am familiar with that location and easy access for me during the day. As standard operating procedure XXXX XXXX XXXX mailed a letter stating that the vehicle was placed in their position due to a wreck and they copied that letter to the lienholder which is Ally. I was in communication with XXXX XXXX XXXX throughout this event. It was because I was in contact with them that they called me to tell me that my bank was trying to pick the vehicle up and said that once the state police released the hold that they could not stop the bank from picking up the truck. I said my notes are paid and I do not have a clue as to why the financial institute would be trying to pick up my truck. This is odd. I had a lot going on due to the injuries my husband sustained in the wreck and tried daily to Ally Financial on the phone which is a task within itself. I never could get them on the phone and noticed they blocked/disabled my app that I used to pay the note on the vehicle. During this time, my insurance was trying to get to the vehicle to do a damage report and we were trying to find out the responsible party insurance to file a claim with them. We could not get this info until later due to the owner was the fatality in the wreck. After the XXXX police released the hold on the totaled vehicle, Ally was able to illegally take possession of my vehicle which resulted in me not knowing where my property was, and they refused to tell the responsible insurance party where it was located for them to do a damage estimate. I got Ally on the phone finally only by being transferred to the repossession department and was told that they took possession of the vehicle to protect their interest in the vehicle so the towing yard could not sell the property. They stated that they received a letter from the towing yard and started the process to take possession of it. Tow yard sent out their standard letter they are required to send by law and CC to lienholder and when the incompetent Ally employee got that notice they started this whole repossession fiasco and hindered the insurance companies from viewing the automobile to do the damage estimate after the state police released the automobile after their fatality investigation. The vehicle was not even close to being in the stage where the towing yard had a right to sell anything. All that I am putting in this letter is a short version of a long drawn-out terror that Ally has added insult to injury. During this drama I had to stay on the phone with Ally day after day only to find that they sent my truck to auction to sell it. I was able to stop the auction yard from doing anything until XXXX, which is the responsible party, could view the truck to do the estimate which was also a total loss. Keep in mind all this time my notes are paid. I never received one letter from Ally telling me that they were trying to get my truck for any reason much less did I receive a letter stating they had my truck and was going to sell it at auction. It was after I got a lawyer involved and he was eventually able to drag some information out of them. They emailed him a letter that said they mailed me which the contents of the letter read more like ransom note. The only money they wanted from me was the money they paid to the towing company, the towing company they used to illegally pick up my truck and the extortion fee they called a repossession fee because they went and took possession of it illegally and then charged me for it. All they say to protect their interest in the truck. They have made it almost impossible to have the damage to my personal property settled. To this very minute they will not acknowledge the money they have been paid by insurance company and they have my account listed as closed which they closed when they picked my truck up illegally. The emailed letter said I broke a promise in the contract. ( by allowing it to get towed ) My experience with Ally has been a complete and utter joke and I hope someone can investigate the whole inner workings of this financial institute. Important : Not one but two different insurance companies. Meaning even if the responsible party insurance did not pay then my insurance would for sure PLUS Gap insurance to cover whatever the insurance did not cover. WHY WOULD ALLY DO THIS TO ANYBODY? Ally stole my property and charged me for them taking it. Ally made it impossible to settle my personal property claim on time. Ally is falsely reporting to credit bureaus to intentionally cause harm to my credit. Additionally, as if what's listed above is not enough, Ally canceled my life insurance policy and to this day I still have extended coverage on the vehicle and they will not refund my money. Additionally, after numerous failed attempts to have them correct their malicious behavior by removing the repossession from my credit now I have to add that they stop increasing the balance on a closed account. This malicious, obviously a standard operating procedure for them is continuing to damage my credit, health and financial situation. I have all the documentation needed to support my claim of Ally malicious behavior and I am on a mission to get this corrected by sending this information to my representatives, senators, Federal Reserve, XXXX XXXX XXXX which they are not an accredited member of and an attorney that handles fair lending malpractice and false credit reporting. For over a year I have been trying to get Ally to correct their mistake and they refuse. I had no choice but to allow it to be towed due to its conditions in the wreck and the state police putting a hold on it due to the fatality in the wreck. Additionally, see attachments for letter and title from Ally mailing my tile and/or lien release dated XX/XX/XXXX but yet the malicious incompetent behavior of report to credit bureaus incorrectly continues to this very day and todays date is XX/XX/XXXX. Over a year later. XXXX help me to find a lawyer that is willing to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70706
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally has denied me access to business auto statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They are not available on my online account. My online account indicates I am supposed to have access to up to 12 months but as you can see in the online account screen shot attached, they only allow access to XXXX - XX/XX/XXXX. I called their customer service number XXXX and spoke with XXXX after XXXX was not able to assist. XXXX was surprised I did not have access but was not able to send me the statements. He said he could give the interest to me verbally but that is unacceptable for tax and legal purposes. I want the physical statements for my business. My account was in a partial forbearance even though interest was accruing. They have denied me access to physical documents by phone and online of finance charges they charged me. XXXX told me I could figure up the interest myself then proceeds to tell me the daily interest! Totally unacceptable. I spent 30 minutes on the phone trying to resolve this. I had previously submitted an online request, also attached, because I could not reach them on the phone. I never received a reply to the request. I have no idea what they have charged me. This is totally unacceptable and is a violation of my legal right as a consumer. They also did not send me a XXXX XXXX interest statement that was supposed to be mailed to me on or before XX/XX/XXXX for XXXX. I also do not have access to the XXXX in my online account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2021-03-20
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: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Ally financial did not apply two payments despite having accepted the money to my account for my car and on XX/XX/XXXX at XXXX they repossessed my car. They claim my account is 80 days past due when it is not as both the XXXX and XXXX payments were made. Now they are refusing to admit their error and not returning my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
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: I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have some CDs at Ally Bank / Invest which I wish to transfer to XXXX XXXX Investments. XXXX is standing by, ready to accept the CDs. However, Ally continues to drag its feet and ignore my repeated requests for assurances that they will do this. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I am writing in today in regards to my prior account with Ally Financial account # XXXX. I completed the term of this loan without any incidence. I received a bill for some damages on the car I informed Ally several times that I had a damage waiver and even supplied them with it to no avail. I later received a bill for {$16.00} dollars which I paid immediately. Ally confirmed that it was an error on their part and this should have no impact on me. Yet on my credit report it is showing a paid charge off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
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 it 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: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A