Date Received: 2021-02-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I had a vehicle loan with Ally Financial. On XX/XX/XXXX, I called the company to request a pay off amount so I can send them a check to pay the vehicle off. I was told that I would need to send a Bank Check, in the amount of {$7500.00}. I went to XXXX bank and requested a Bank Check in that amount and I sent it NEXT DAY ( USPS ) to Ally Financial. According to XXXX Bank, Ally Financial deposited the Bank Check into their XXXX XXXX XXXX account on XX/XX/XXXX. I contacted the company ( XX/XX/20 ) to find out when the title would be released and was told that because it wasn't a CERTIFIED CHECK, it would take 10 business days to clear. I requested that my call be sent to a Supervisor and when it was, I was told that O would be contacted by a member of the Customer Relations team within 3 business days. I was contacted by a member of that team and was told that he would need to " look into it '' and he'd get back with me. XX/XX/XXXX we spoke and XX/XX/XXXX we spoke. He informed me that because it wasn't a CERTIFIED CHECK, there would be the hold placed on the check before the title could be released. I asked to speak with his supervisor because I was informed by XXXX Bank that an Official Check is the same as a Certified Check, in that, in order to have an Official Check issued, cash would be needed to have that issued ( just like a certified check ). He then informed me that " he would need to look into that ''. In the mean while I had spoken to XXXX XXXX and I explained the situation to her. Fast forward to Friday XX/XX/XXXX. In speaking with XXXX XXXX, she informed me that the title was going to be XXXX shipped to me, via XXXX and that XXXX would be calling me with the tracking number. He never contacted me. I waited 2 days and called BOTH ( XX/XX/XXXX ) JT and XXXX to find out where the title is because it's been 2 days. No response. I called Wednesday XXXX XX/XX/XXXX XXXX, two times ( once at 8:35 and then again at 11:46 ). I received a phone call back from JT stating that the title wouldnt be released until TODAY ( XX/XX/XXXX ) and that I wouldnt have the tracking number until this afternoon. Ally Financial has had my title and my cash since XX/XX/XXXX XXXX the date they deposited the Official Check ). They representative should have told me, when I contacted them on XX/XX/XXXX that a CERTIFIED CHECK is what is needed to have the title released immediately. They have refused to communicate with me, providing me with information, regularly, unless I call. The phone calls are recorded so I am sure that you would be able to hear the conversations. My frustrations with this organization and how they conduct business is unacceptable. I am sure that I am not the only person that they have done this to. For them to capitalize on the fact that they dont release titles, all the while tying up a customers monies for weeks on end is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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: My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX Form No. 1099 Tender of Payment amount in full for debt {$17000.00} tendered in full and refused or declined by Ally and by law the XXXX XXXX XXXX b ] states once tender has been made and declined or refused there is discharge. {$6700.00} for approximate two years of monthly payments, Legal Fees {$5500.00} per day for past 90 days failure to adhere to court orders decrees {$49000.00} and legal fees. XXXX {>= $1,000,000}. Extortion and Threats against a foreign official aka Diplomat ; XXXX XXXX XXXX XXXX, XXXX Issuance to reserve banks, nature of obligation ; redemption aka Tender of Payment. {$17000.00} for 1099c debt discharge identification event code B. Common Law Court Order and Fee Schedule Violation of oath of office XXXX {$250000.00}, Denied Proper Warrants XXXX {$250000.00}, Denied reasonable Defense XXXX {$250000.00}, Defense Evidence Records, claimed not to have Diplomat ; XXXX XXXX XXXX XXXX 's title and appellation on file, was untrue we received letter [ s ] with Ally addressing her appellation and title, Denied Truth in Evidence XXXX {$250000.00}, Slavery Forced Compliance to contracts not held XXXX {$250000.00}, Denied Provisions in The Constitution/Treaties XXXX, Extortion XXXX XXXX {$5000.00}, Mail Threats XXXX {$5000.00}, Fraud XXXX {$10000.00}, Falsification of Documents XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Ally car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - Ally reports updated information to XXXX, XXXX and XXXX changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how Ally is reporting different late payments to XXXX and XXXX. Please help me to have all late payments removed from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53405
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2021 Dear CFPB, I would like to bring to your attention that Ally Bank misleads consumers in its advertisements of Person-to-Person payment services that the bank provides. I order to steer consumers from competitors Ally Bank promises certain services to consumers that open a checking account at the institution. In particular, Ally Bank advertisers on its website person to person payment service under a name XXXX. According to Ally Banks website customers of Ally Bank can transfer funds to other consumers using XXXX service subject to a daily limit of {$5000.00} for a standard 3 business day funds deliver, a daily limit of {$500.00} for instant funds delivery, and {$10000.00} 30-day limit. It appears however that Ally Banks service is not working according to the advertised terms and conditions and is not performing according to Ally Banks published documentation that describe how the XXXX service is expected to work. While one can make an assumption that Ally Banks person-to-person known under the name XXXX payment service may occasionally not function as advertised due to temporary technical issues or honest implementation mistakes of the service provider, it appears that Ally Bank refuses to investigate the problems that its customers experience while attempting to use the service even when customers report detailed descriptions of incidents. It appears that when the XXXX service is not working as documented Ally Banks representatives refuse to acknowledge the issue, refuse to perform a simple quality control calculation of payment limits, or provide information that contradicts the publish documentation. I am enclosing an email correspondence thread with Ally representatives in which during the last two months I reported multiple issues related to Ally Banks XXXX service. I initiated the discussion by informing Ally Bank that XXXX payments that were previously scheduled and subsequently were canceled affect how much funds can a customer can transfer in the future. Ally Bank never investigated the problem and responded with an obscure statement that Canceled and upcoming payments only count towards the monthly limit if theyre posted or already pending to the account. To my inquiry as of what part of Ally Banks documentation describes this restriction I received a response that that Allys standard P2P limits are subject to change without notice. To my question weather Allys had changed any limits for standard 3-business day P2P payments recently I have not received any information whether the mentioned limits had changed. As of today I have not received any information about documentation that describes ow canceled previously scheduled payments affect the ability of consumers to use Person=to-Person payments services at Ally Bank XXXX Later I noticed that limits for standard 3-business day P2P payments advertised by Ally Bank that are published on Ally Banks website are not being applied correctly. For example, as can be seen on the enclosed screenshot, the payment limit for me scheduling a payment to be sent on XX/XX/2021 weeks in advance was {$3300.00}. My requests to Ally to provide me current information about standard 3-business days limits for P2P limits, the total amount of XXXX payments scheduled for XX/XX/2021, and the total amount of XXXX payments scheduled for the XXXX period that includes XX/XX/2021 remained unanswered. My second request to Ally to provide exact calculations how the bank calculated the {$3300.00} limit also resulted in responses that have not answered my question. Today Ally Banks Person-to-Person payment service does not work the way it is described on Ally Banks website and in Ally Banks documentation. Failure of Ally representatives to properly document consumers reports of the service not functioning properly and their failure to fix discrepancies between how XXXX service is advertised to work and how it actually works either by fixing the service or by changing the publicly presented documentation of the service indicates that Ally is either willfully or negligently participates in practices that mislead consumers. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
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: When I filed a second dispute of a charge-off that Ally Financial placed on my credit report, the company updated information in my credit file to alter the date that they first reported the charge-off illegally, in order to re-age the entry and sell it to a debt collector. I initially disputed the charge-off that Ally first reported in XXXX of XXXX as I was a victim of Hurricane Harvey in XXXX, TX. In XXXX of XXXX when my lease ended, Ally did not remove the fees that were supposed to be dismissed due to my status as a person affected by Hurricane Harvey. Ally began reporting charge-offs to my credit file from XX/XX/XXXX though XXXX of XXXX. When I filed a second dispute with the credit bureaus, in an attempt to raise my credit score, Ally then changed the information showing that the payments were current up until XX/XX/XXXX and reported a new charge-off starting in XX/XX/XXXX. I immediately received a call from a collection company about this disputed amount. It is clear the Ally fraudulently changed the information which was two years old, to falsely sell it to a collection company that it represented to collection company as a new charge-off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am writing in today in regards to my account with Ally Financial Account # XXXX. Specifically I am writing in regards to the late reporting in XX/XX/2020 and XX/XX/2020. The lates occurred during the unprecedented times during Covid-19 which caused the lates to Occur. The Cares act was passed to assist consumers during this time.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL, INC, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My husband wrecked his vehicle XXXX XXXX XXXX in XX/XX/XXXX. Up until then we were current on our truck note to Ally Financial Bank. The truck was rendered totaled by the insurance. We also notified the bank of the wreck. The bank Ally Financial gathered information from my husband that they needed to file with GAP so what our car insurance did not cover GAP could pick up and finish paying off the loan with Ally. My husband sent in the items requested for the bank to send to GAP which consisted of Affidavit of Accident ( Notarized ), Gap cancellation Request form, Gap claim checklist, a copy of the insurance company 's settlement check, and a copy of the official Police Report. We informed Ally Bank ( this had happened to us before ) we had received a letter from Gap stating if they did not receive all information they requested within 90 days they would not pay the remainder of the loss. Ally assured my husband they had everything they needed and it had already been turned in to Gap and everything would be taken care of. On XX/XX/XXXX we received a letter in the mail from Gap stating they did not receive everything they needed and was therefore relieved from their duty to pay off our vehicle. My husband again called Ally and informed them of the letter we received from GAP and they stated no they had it taken care of. When Ally started calling us wanting payments again around XXXX of XXXX my husband informed them they had said they had taken care of the payoff with Gap but received a letter stating otherwise. We then started receiving bills again in the mail from Ally for the totaled truck. I started making payments again on the truck since they did not take care of the issue with Gap. I sent a check for {$530.00} on XX/XX/XXXX. I also went on credit karma and filed a dispute because I felt like we were having to pay for something that Ally stated they had taken care of with Gap. After filing the complaint I no longer received another bill in the mail from Ally but there was a negative remark on my credit report from them stating " {$4000.00}, In Collections/ChargeOff, Account Status Derogatory, Charged off as bad debt Dispute resolved ; customer disagrees Closed XXXX XXXX '' Now I have started receiving a bill from their collections department. I had spoken with Ally prior to the collections and informed them since they had our conversation recorded then they should be able to pull it up and see where they informed my husband they had stated they had all the information they needed for Gap and that we no longer had to make payment since the truck was totaled Gap would take care of it. They said we are still liable and it would effect our credit if we didn't pay so that is why I started making the payments again XX/XX/XXXX. Then I never received another bill from Ally Financial after my payment and they added on my credit report they wrote it off and put negative remarks on my credit and sent it to collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74701
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A