Date Received: 2020-12-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My husband and I explained to Ally Financial, our current Auto Finance Company that we were currently having financial issues with both of our vehicles financed through their company due to Covid 19 Pandemic hours being cut at my work and my husband 's work, layoff. Ally Financial refused to listen or cared to work out a rebill or lower our interest rates in hopes of lowering our auto monthly payments for a XXXX XXXX and XXXX XXXX XXXX XXXX. They refused to listen to us. My husband had XXXX and my job hours were cut. We really need help from Ally to assist in a payment plan to lower our auto payments in order to keep our vehicles, but instead, Ally Financial has refused to offer any Covic programs to help us. No one ask for this Pandemic! Auto and credit card companies should be more sympathetic or at least pretend to care to help individuals like us during this serious crisis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2020 third party collector called and hung up in my face from a local telephone number. Contacted them back by being transferred through Ally Bank automated system to advise them that I had GAP coverage and that the almost {$13000.00} balance shouldve been directed back to the manufacturer or dealership ; the collector wouldnt listen and told me to go back and contact the dealer or manufacturer. See all 3 attachments that reflect GAP insurance was purchased. XXXX Warning : not a service member, veteran, dependent, or spouse )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: 1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer. 2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX. 4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX. 5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account. 6. I never received payoff confirmation from Ally or closure of my account notifications. 7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status. 8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine. 9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution. 10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired. 11. Ally has provided me no other means to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Company Response:
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have a lot of problems with my Ally Account. Ally claims that I owe them currently an overdue amount of {$1600.00} for missing only one month of payment. My monthly payment is {$620.00}. I pay through my XXXX Checking account, in which this account has been previously blocked by Ally to make payments to. It took me months to get through to clear that up due to unprofessional representatives and unknowledgeable representatives. I am currently on hold making my last attempt at speaking to a representative to come to some resolution on my car payment. They post all over the place that if a person needs help due to circumstances like reduced pay, which is my current situation. I have asked for loan refinance and loan extension, I am told by representatives that there are no options for me. This is HIGHLY DISCRIMINITIVE AND IMMORAL BUSINESS PRACTICES. Please investigate and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service. Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well. As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund. For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX. XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us. With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX XXXX. I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter. I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully. Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
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. On XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 ALLY FINANCIAL CARD add a hard inquiries on my credit report per XX/XX/XXXX. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A