Date Received: 2021-02-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I surrendered a vehicle I could not continue payments on. I was informed of the actions that would be taken. The car would be sold at auction and any amount would be credited to the owed balance. This company sold the car and the next owner claimed insurance damage and received money from insurance leaving a claim on my insurance.This is fraudulent on behalf of Ally Financial. I have been harassed about payment. 1. the insurance claim is fraudulent, 2.Documents pertaining to all gross made of the vehicle sale, insurance money, taxes, fees and the unpaid balance that was remaining has not been provided after requesting multiple times. 3. this company has sold a debt to a collection agency in an attempt to collect a debt and not provided the received amount sold for. this amount is to be applied to the owed balance since this is what the money received is for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: XXXX XXXX I purchased a XXXX XXXX XXXX it was financed through ALLY Finical and I got behind on payments. They repossessed my car in XX/XX/XXXX and I was forced to file XXXX XXXX When purchased the car I was XXXX well I went into XXXX XXXX my daughter was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained to ALLY that the month of XXXX I almost lost XXXX kids it was very traumatic for us, She came home in XX/XX/XXXX a couple weeks before they repossessed my car over XXXX that was at 90 days which I didn't get a notification then and I had also spoke with Ally and told them that the same month XXXX I found out that my son had XXXX he had to be hospitalized so I was not able to work. They sent the notice to cure to an old address but picked the car up from my new address which they claimed they didn't have. They done this again a couple weeks ago claiming they didn't have the address but picked it up from my current address. As far as the bankruptcy goes we fell behind because of the pandemic that hit my husband had to take time off because we had 2 vulnerable kids. So the bankruptcy was dismissed because we couldn't afford the XXXX a month payments. So time went on the bankruptcy was dismissed in XX/XX/XXXX and on my credit it shows that the account was closed with a XXXX balance. Ally never sent notice to cure to me I just caught the repo man taking my car and I did not have a problem making arrangements if they would have contacted me they had my number it has not changed no one called and or emailed so how was I supposed to know. Now they want XXXX to get the car back that they stole from me. I do not have a problem setting an arrangement with them, But I do not have XXXX to get car back they should have properly notified me and we could have discussed payment .We are in the middle of a pandemic I NEED my car I can not take my kids one who has to have XXXX every XXXX weeks and can not use public transportation. I would like to have my car returned with a reasonable amount to get it back and start over with making payments, This is one thing that I would not have just disregarded, my kids depend on this, and a home those are 2 things that we have to have, Its frustrating dealing with them because they do not do fairly and do not notify like they are supposed to, They knew that I did not live in XXXX XXXX but yet they continue to send the notice to cure to that address knowing I wont get it and that the mail will get returned to them but they pick my car up from the place where I live but cant send notice or call the same number that I have had for 4 years and they sent me an email XX/XX/XXXX but said nothing about getting a hold of them or to call them. I do not understand how these companies keep getting away with this as if the law does not pertain to them,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is reporting XXXX lates on my credit file. This auto loan is for my mother, though in understand it is in my name, and she has been experiencing a hardship. I try to help her when i can but with my situation and i could not help her these last few months. Again i understand this is in my name and i have been in contact with Ally about this and set up an arrangement to help my mom keep he car and to help keep my account in good standings. I was told through this arrangement lates would nit be reported to my credit file. I recently checked my credit file and noticed i have been receiving late notations in spite of our agreement. I need Ally Financial to remove these lates from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hi there my name is XXXX XXXX, I have a Lease through ally Financial Back when Covid 19 hit I gotten a phone call from Ally to see if i would like to extent my lease payments for 180 days. of course at the time i had agreed to this because of the financial hardship I incurred during this time. 6 months gone by I never got one phone call from them I went to make a payment when my hardship was up and was told that my truck was in for repossession that if I did not make a payment at that point I would be without a vehicle. At this point my payment was extremely late and had to make a XXXX payment to get it out of repo status. I have several late payments recorded on my account because of their lack of communication and I am very frustrated because I had a juristic decrease in my credit score. I have since made every payment on time but still shows that I am behind on payments and all will not make it right. I would like help on this situation to get my credit back on track because of their issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Non penalty CD expired on XXXX XXXX with Ally bank. On XXXX XXXX I called the bank and requested wire transfer because they dropped my interest to 0.5 % which I do not agree with. Wanted to transfer to my other bank which is paying 1.5 % interest. In fact I called twice verified the transfer bank advised everything ok it was before cut off day. Next day XX/XX/2021 nothing happened then I called 3 times to verify that everything ok.I called before wire cut off time. They advise will be wired out no other information need it. Then Monday received email that needs copy of driver license. I sent copy and called again. No wire has been sent out. I think the bank willfully withholding my money. It is unfair and illegal conduct and causing me to lose money such as lower interest they pay and other investment opportunities
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 914XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 977XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In early XXXX I tried to access my Ally bank accounts online. I received a message that there was a problem with my account and I should contact customer service. I contacted customer service and was told that my account was flagged for fraud because one of my accounts had two owners with different last names. I explained that it was a joint account with my mother and that we were the correct owners of the account ( That is how the account was opened. No changes had been made. ) The person assured me they would make sure I could access my account. Yesterday XX/XX/XXXX I tried to access the account again and received the same message. After 3 phone calls I was able to talk to someone who said the issue was still under investigation ( not sure why there is nothing to investigate ) and that the investigation could take up to 90 days. I asked to speak to a supervisor and was sent to voice mail ( 2 times ). I left 2 messages and no one has called me. In the mean time, since this is an online only bank I can't access my funds. I can't even print my 1099-INT to do my taxes. Please help me get Ally to unlock access to my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A