Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had lease with Ally on XXXX XXXX XXXX XXXX in XX/XX/XXXX I trade my Ally lease for XXXX XXXX XXXX with Ally again the problem I have Ally withdrew from my account for payment on XXXX XXXX the lease that was satisfied on XX/XX/XXXX the payment was withdrawal on XX/XX/XXXX for the car that I didn't owned and now they can find the money they withdrew on XX/XX/XXXX and credit the right account as original conversation with representative on XX/XX/XXXX and he said that money was found and will be relocated to XXXX XXXX XXXX account it's been 6 weeks and XXXX results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I am an Ally Bank customer ( digital bank ). Since there are no physical locations, and I needed a cashier 's check to make my first payment for an apartment, I ordered a cashier 's check over the phone. When I began the process, the agent confirmed my account, including my address in Colorado. I have lived at this address for over 6 months, and I updated my address with Ally Bank at that time. Previously, I resided in XXXX, OK. After confirming my Colorado address, the agent finished the process of sending me the cashier 's check made out to the apartment complex, and I paid for expedited shipping because my move-in date was about 5 days away. The day before my move-in, when I had still not received my check, I called Ally and they gave me the tracking number. This revealed that they sent the check to XXXX, OK. The agents I spoke to that day confirmed that this was entirely their error. The address on file was the correct Colorado address ; however, their cashier check system is a separate system that was not updated on their end, and somehow even though I confirmed my address with the agent, she must have still used the Oklahoma address later on in the phone call without ever notifying me of the same. Ally is refusing to refund the money and is requiring a notarized affidavit from the payee who is not willing to do so. The loss of this check is 100 % Ally Bank 's negligence and fault as they have confirmed, yet the refuse to refund my account with the {$2600.00} they withdrew for the lost check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Per CFPB, instructed to duplicate XXXX ( XX/XX/XXXX ) Party has not received sufficient documentation relating to XX/XX/XXXX purchase of a GAP Contract from Ally, according to the financing agreement. The complete VIN has be provided to Ally via the email address we have on file. XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX Attached letter, addressed to XXXX XXXX XXXX XXXX XXXX, NC, XXXX stating that we had not received a response. XX/XX/XXXX - CFPB case XXXX initiated XX/XX/XXXX - XXXX case XXXX initiated XX/XX/XXXX - received response for open CFPB case, insufficient information provided, feedback sent XX/XX/XXXX - additional information attached to XXXX case, including VIN, as a courtesy XX/XX/XXXX - XXXX case past due, XXXX provided date of XX/XX/XXXX, marked delinquent XX/XX/XXXX - letter dated XX/XX/XXXX from employee/contractor of Ally sent, requested documentation not attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXXXXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX On XX/XX/2020, ALLY FINANCIAL XXXX INC add a hard inquiry on my credit report per XXXX On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ally Lending is not honoring the COVID 19 relief HCS Loans had by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, Ally Lending required the account current to become current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID 19 RELIEF
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
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 paid off my car loan with Ally Auto on XX/XX/2020. On XX/XX/2020 I received an email stating that the title was released and I should see it in 7 days. I called in XXXX to ask where it was. I was then told that they did not have it that the DMV in CT had it. I then emailed the DMV and was told that they did not in fact have it, that the lean holder has the title. I then called Ally back and was first told that the DMV has it until I told them that I already talked to the DMV. Then they changed their story and said it was already mailed out. I then asked for the tracking information and was told that they miss placed it. They then went on to tell me I had to pay for a duplicate tile and when I refused to do so they ordered one for me. I then received an email on XX/XX/2020 stating it was just sent out to a 3rd party. So I gave it time to get here and it never showed up. I just called them back today and was told it must have been sent to the wrong address and that they would order another duplicate title. My car is now unregistered and I can not drive the car that I paid off in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There were 2 credit inquiries on XXXX XXXX, 2021 by Ally Financial and XXXX XXXX XXXX regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my XXXX XXXX on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX. I also enabled temporary credit fraud alert on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX/XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, ALLY FINANCIAL Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Auto Finance.. i took out used car loan for 5 years at 12 percent interest car price XXXX with interest total owed was XXXX .... paid 9 payment at XXXX a month in XXXX and 12 months in XXXX i pad over XXXX new balance should be XXXX plus give or take but they state i still owe XXXX! My payment of XXXX has interest in it already! They wont change my total loan left that doe.. i only owe then maybeXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A