Date Received: 2021-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The payoff statement dated XX/XX/2020 from Ally indicated a per diem interest of {$65.00} and a payoff statement preparation of {$30.00}. In a letter dated XX/XX/2020 Ally provided a reconciliation of the final payment which included {$60.00} for the payoff statement fees and {$7800.00} for the interest from XX/XX/2020 to XX/XX/2020 ( date of the loan payoff ). Interest should have been {$7800.00} for the period of 120 days from XX/XX/2020 to XX/XX/2020. Payoff statement preparation should be included in the normal cost of doing business. However, Ally should abide by the fee stated in the payoffs statement dated XX/XX/2020 of {$30.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
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 Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, ALLY FINANCIAL, INC Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY XXXX CREDIT REPORT..
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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. Also, update the following accurate personal information to my credit report ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, Ally Financial XXXX XXXX XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that Ally Financial " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at Ally could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My XXXX XXXX dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019 ally financial inc, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote ally financial inc a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under section 1681 ( b ) a person shall not or use or obtain a person consumer report for any reason unless-the consumer report is obtained for which the consumer is authorizedto be furnished under the section- ( 2 ) to add on i never gave this company my permissible purpose to run this unauthorized inquiry on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Around XX/XX/XXXX I started the loan application To refinance my home, the home that I had bought on XX/XX/XXXX and that I had Finance with the same bank which is Ally bank after XX/XX/XXXX I provided all the paperwork I was requested I was preapproved and further into the loan I had locked my rate, days before closing I was requested additional proof of income, I am self-employed, since that request I was even requested more proof of income additional proof of income in my eyes I had already put it all the income that he requested he got to the point where I felt my application was in jeopardy My loan was in jeopardy, I spoke to several managers in via email I got in contact with escalations team which said to in writing they bank made a mistake and that they dont give loans to people that do XXXX to my surprise. Which I know is not true.What I am requesting from the bank is to complete and process the loan of refinance with the terms I was offered.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. Account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX my bill for account ALLY FINANCIAL Reported : XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX DEALER FINANCE. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A