Date Received: 2021-01-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did. After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back. Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open. Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX XXXX {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payment on my account because I attempted to pay it online using the portal that the company offered but I had repeated problems with the portal when trying to enter my payment. After a couple days of trying i called the number when i had time and made a payment over the phone It was late but not 30 days late but i now see my report and i now have a 30 day late payment on my report from that company from that month. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not only not 30 days late but it was caused by a problem with the portal. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey Law Division-Special Civil Part XXXX County. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an auto loan with Ally Financial , Inc. My account was set up for an automatic payment. That payment was attempted on XX/XX/XXXX and was unsuccessful. I transferred money into that bank account, went to the Ally webpage and executed a " one-time '' payment of {$750.00} on XX/XX/XXXX. That payment was successfully processed and the money left my bank account. Ally attempted to extract {$750.00} again on XX/XX/XXXX despite having already been paid. That transaction was returned for insufficient funds as I had already paid the car note on XXXX XXXX. XXXX charged me two separate fees of {$29.00} for two failed transactions. For some reason, the payment that left my account on XX/XX/XXXX has not been credited to my account. I called Ally and spoke with customer service on XX/XX/XXXX and was unable to resolve the matter with Ally ( please refer to their recording of the conversation ). I called my bank, XXXX on XX/XX/XXXX after speaking with Ally and initiated a dispute. XXXX verified {$750.00} left my account on XX/XX/XXXX and went to Ally. XXXX returned the two charges of {$29.00} for insufficient funds and was to provide Ally with proof the payment left my account. I had XXXX put a stop on Ally to prevent them from executing any additional attempts at automated withdrawals and I went to the Ally webpage and turned off my automated payment. Ally called me yesterday, XX/XX/XXXX, and asked me to make an overdue payment ( please refer to their recording of the call ). I again explained the circumstances. The Ally representative asked that I upload a screen capture of my bank account and that image is attached to this message. I uploaded the screenshot showing the successful payment from my bank to Ally and attached it to an email I sent them via their customer webpage. The facts are I paid Ally {$750.00} on XX/XX/XXXX. XXXX bank verified that money left my account and went to Ally. Despite this, Ally failed to properly credit my account and continued to attempt payment withdrawals from my bank account, charged me late fees initiated adverse credit reporting. This is a failure on Ally 's end. I executed a payment and that money left my account and went to Ally and Ally failed to properly credit my account. I have attached a screen capture of my bank account with XXXX showing the payment to Ally being successfully processed on XX/XX/2020 and a capture of my bank statement also showing the payment to Ally being successfully processed on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. ALLY FINANCIAL XXXX/XXXX/2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Payoff check was sent on XX/XX/2020 and received by Ally Financial at XXXX XXXX XXXX XXXX Ky XXXX on XX/XX/XXXX at XXXX XXXX. A Certified Return Receipt mail was used to track the check. Tracking number XXXX. An Official Bank Cashier 's Check made payable to Ally I/A/O {$46000.00} was sent for full payoff and extra per diem. Ally is threatening to repossess this vehicle and claims to not have received the above- mentioned Cashier 's Check. The return receipt shows a signature of a XXXX XXXX. Proof of this delivery and image of the signature was provided to Ally on XX/XX/XXXX at XXXX via Ally fax number XXXX. There have been three attempts to communicate and ask Ally to locate this check which was duly delivered to them on XX/XX/XXXX. We are asking for government help in stopping a large corporation from hurting the credit and unlawful repossession of this XXXX XXXX XXXX XXXX. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 246XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. -Ally Financial, Inc. XX/XX/2020 still remains and shall be removed. -Ally Financial XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
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: On XX/XX/XXXX I called Ally financial in regards to a hard inquiry that was placed on my account XX/XX/XXXX, where I was never aware of this unauthorized and did not give this company no consent to run my consumer credit and I did not do this..I spoke with a representative on the phone qhere they opened a dispute and gave me a confirmation # XXXX .I truly feel like this is a violation of my privacy right ..the company ally financial inc responded with a letter stating '' they basically are unable to locate information about me '' ..
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: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A