Date Received: 2021-01-04
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: 02301
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These credit inquiries are unauthorized and need to be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges. On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again. I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.
Company Response:
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Attempted to refinance my home loan through Ally. The original offer they will obide by. I was offered XXXX with a credit of XXXX points. I asked about rolling my closing costs into loan. They did not inform me that it would make me pay XXXX dollars more in points. Every few days they keep adding more fees and when I ask a question they do not answer me. I have asked them told them multiple times I am unsure u want to continue with loan and they keep moving it forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43140
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For over three weeks my account has been blocked by ally bank, I contacted the bank and was told funds are being directly deposited into my checking account from another party, I then advise them the other party is my son, they then advise me I maybe violating the terms of the account and an investigator will get back to me within 48 hours but they never did. I have since contacted the bank many times but no one was able to advise me on the way forward and thy continued to hold on to the account funds. I read Ally bank agreement and I interpret the attached circle paragraph to mean family members are allowed to use the account, if this is not so then I ask the bank to either forgive the mistake and return the account to good standing, or closed the account and return all money on deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
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: Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX and -XXXX Reference account number ending XXXX in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by Ally on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). ALLY 's response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX and -XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. Ally shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/XXXX. No late fees were assessed and paid! ALLY 's response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from ALLY. I hereby request all evidence of ALLY 's claims of dates of payments on this account. If ALLY is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
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: For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car. XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX. The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car. It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A