Date Received: 2020-12-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from. I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked. I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks. I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 an account opened from XXXX XXXX XXXX with an original creditor as GMAC on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : Ally Account XXXX ( Under maiden name, XXXX XXXX XXXX ) To Whom It May Concern : Ally Financial continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31312
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. ,
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: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
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 co-signed on a car loan for my son, after 2yrs the car was repossessed on XX/XX/2020. I didnt find out until XX/XX/2020. When I called Ally Financial to resolve the car loan I had to payoff the loan in full since it was repossessed. On XX/XX/2020 my wife wire transferred {$13000.00} to Ally bank, to this day XX/XX/2020 the tile on the car still has a lean on it and Ally refuses to remove it so I can sell the car. I have begged for 102 days for payoff papers for my records to show the loan was payed off just to be told Ally has NO OBLIGATION to send me anything. They still have charge off on my credit report and refused to fix it to payed in full, I have a buisness and I depend on my credit, I think all of this is wrong to be treated this way. I didnt know what else to do, I call 3 or 4 times a month to fix this to no avail, Please someone help me resolve this nightmare. I have done everything Ally Financial has asked just to be treated like I dont matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30741
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I brought a XXXX car in XX/XX/2019 in Maryland for XXXX and the interest rate from Ally Auto Finance was 12.99 % for 84 Months. I have paid so far 16 payments for total of {$9700.00}. I paid {$6900.00} in interest. I still owe {$30000.00} and I will end up paying over {$51000.00} for a car that today is only worth {$18000.00} according to XXXX XXXX XXXX. I want to know if $ 12.59 % interest on {$33000.00} should equal {$17000.00} over 84 months of payment. how are they calculating it and is it legal to do it the way they are calculating it Call them a number of time and could not get a good explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
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: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A