Date Received: 2021-02-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded. So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her. Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Ally Financial and XXXX XXXX. The Account Opened is Ally Financial Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Contacted company in XX/XX/XXXX regarding loan extension, was told I had to pay for an extension, then was told I would be sent out a firm to sign to have an extension approved or declined, sent extension form back and received phone calls that extension firm was never received, this same scenario happened in XX/XX/XXXX and XX/XX/XXXX. Made a car payment in XX/XX/XXXX and Im now being told I owe the back amount for the extension that was requested. I have called the company several times and either I get transferred around to different individuals or the phone call drops.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: There was an agreement in place as a result of COVID-19 for payments, which I was unaware had met its term until the late notification. Once advised of the payment status, it was brought current right away. I reached out due to the mis-communication regarding the agreement and thought the tradeline was corrected. However, I pulled my free report only to find that youre still being impacted with a XX/XX/2020 30-day late hit with the credit bureaus which has impacted your scores greatly. It is my hope that given the unsettling year 2020 was with the ramifications of COVID-19 ( in all aspects ) that Ally with have empathy at this time and reverse the XX/XX/2020 30-day late hit with bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Upon checking my credit reports recently Ally auto is showing derogatory. It also shows, although we are clearly in the middle of a pandemic, that I have 4 recent late payments in XXXX, XXXX, XXXX and XXXX which is hindering me from purchasing a home for me and my children. During that timeframe I was mistakenly under the expression that was still on a a deferment. Ive tried reaching out to Ally Bank CEO Mr. XXXX XXXX on MULTIPLE occasions via email with no response as to removing these most recent late payments and derogatory status so that I can make this purchase for my family and I. My account is current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is reporting my auto loan as still open when it has been paid off. All 3 credit bureaus are showing an open balance with Ally Financial and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Ally Home mortgage was paid off at escrow by the buyer 's mortgage company and should not have reported 30 days late. This derogatory mark that is reporting in error is the only negative mark on my credit reports and is dropping my scores by at least 30 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
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 leased a XXXX XXXX from the XXXX in XXXX, California using Ally Financial in XXXX of XXXX. I made all payments on time and returned the car to the dealership at the end of the lease ( XX/XX/XXXX ), in excellent condition and well under the XXXX miles that I was allowed. I spoke to the sales manager and showed him the car and the charger in the trunk. He told me to just leave it there, and remarked that the charger and the car still looked brand new. I asked when the full inspection would take place, and he told me it would be later that day or the next. I gave him the keys, signed the mileage papers and left. I called back a couple days later and they said it had been inspected and everything looked great. A few weeks after that, and more than 30 days after I returned the car, they called me to say that the car had not been inspected earlier ( as they had originally told me ) because the inspectors were busy, but that they had in fact just completed the inspection and there were issues. They said that the charger was missing and that there was " orange peel '' in the paint as a result of a faulty paint job. They said they would charge me for both or report it. I explained to them that neither issue was possible. I had shown the sales manager the charger in the trunk of the car when I returned it and he casually told me to just leave it there. And the car had not been repainted when I returned it, so any issues with the paint would have been from the original factory paint and present when I received the car brand new three years earlier. They told me they'd look into it and let me know. I then began getting calls from the dealership, Ally Financial, and a collection agency. I told them all the same thing - that I had returned the charger and the car had not been repainted. They sent me back " proof '' in the form of distant photos of a black XXXX XXXX that looked similar to mine. The photos were taken from too far away to see if it was my car or another of the same model ( there were hundreds of identical black XXXX on the dealership lot ), and it was certainly too far away to see any issues with the paint. One of the photos included was of an empty trunk - supposedly proof that I didn't return the charger. I pointed all of this out in one of several phone calls, and added that even if the photos were close enough to show that it was my XXXX and to show paint damage, my car had not been repainted so it would have been original factory paint damage. I also pointed out that 30+ days on a dealership lot without an inspection would leave plenty of time for a 2 pound charger to get misplaced or stolen ( all XXXX XXXX use the same charger ), and that a photo of an empty trunk does not prove that the charger wasn't returned. At this point I found out from Ally Financial that the dealership reported that I returned the car 2 weeks and 3 days later than I actually did return it, likely because they waited too long ( 30+ days ) to have it inspected and that would have reflected negatively on them. I asked for more detailed, closeup photos showing that this was in fact my XXXX ( such as a photo of the VIN ), and showing the paint damage. They responded that they could not provide any because the car had already been repainted and sold. At one point the collection agency told me they would submit the issue to a dispute resolution team. When I asked about that a few weeks later, they told me the issue had been decided against me. I asked for details about the resolution process and to be able to present my side, but they said they had presented both sides and would give no further details. They also told me ( in both nice and not-so-nice terms ) that the photos they had already provided to me were proof enough to destroy my credit if I didn't pay. Given all of this, I refused pay. They reported the charges to the credit reporting agencies, and I have been getting harassing calls from creditors ever since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A