Date Received: 2020-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was totaled in XX/XX/XXXX and had a loan with Ally Financial. The insurance mad their payment on my behalf for the value in the amount of {$7300.00} in XX/XX/XXXX but was not processed to my account until XX/XX/XXXX ( which caused with inappropriate fees/interest ). In the meantime of processing this insurance payment, Ally had turned off my automatic payment for those months without my consent or notification & there were also points where the would not let me access my account. Throughout this time I was trying to get them to adjust my payment to when it was made properly and was run around in circles in their customer service department. No one had seemed to know why this was going on and no one seemed to care. In XX/XX/XXXX, Ally reversed my insurance payment ( for a reason I am not sure of ) and then in XXXX they had reported me to the credit bureau for being delinquent as of XX/XX/XXXX. Per my credit report, it caused my score to drop by around 100 points. Also worth noting that my mother cosigned my loan and she was also falsely reported to the bureau as well and since then she has cosigned a loan for my brother and likely received higher interest rates due to this. Since then, I have been dealing with their executive customer service group where they have been working to figure out why my insurance payment was reversed, as well as my payments I had made were not being applied to my account. In XX/XX/XXXX they reapplied by insurance payment to my account but I have no visibility into the adjustments they have made on my account to adjust for interest, fees, etc. Additionally, they had informed me that when this was adjusted that the next steps would be to work with the credit bureau to make the adjustments to both my balance as well as the delinquency status that was reported. As of XX/XX/XXXX, I finally had received confirmation that I will have the following things happen within two weeks of the phone call and was told I would receive a letter in the mail, as well as a personal phone call from Customer Service : 1 ) Remaining balance waived based on my severe inconveniences 2 ) Ally would submit a ticket to the Credit Bureau to adjust my credit score for the balance and delinquency status for both me, as well as the cosigner to the my loan. Since then, I have called at least three times there has been no one that is answering my calls anymore and I have not received anything in the mail related to my account in regards to the balance and false credit reporting status. It is almost XX/XX/XXXX ( almost three months since I got confirmation ) and my balance and delinquency status is still reported incorrectly. I have been dealing with them for over a year for an auto loan on a car that has been totaled, 9 months since I have been trying to have them adjust the insurance payment, and it has been almost 4 months since I have been trying to resolve the balance and credit reporting issues. I have been more than patient with them and I do not see an end in sight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 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: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Lease was 24 months 15000 miles per year ending XX/XX/2020. Ally advised me by letter that the lease was being extended through XX/XX/2020 due to Covid19 and that I would not be billed and would receive mileage for the period. I did not want vehicle since I already leased a new vehicle and did not want to insure the Ally vehicle passed the lease contract date. Ally and the dealership refused to assist and forced contract extension. I ultimately returned vehicle in late XX/XX/2020. I was subsequently billed for the two months that exceeded the lease contract date and for mileage that was fictitious and fraudulent. Ally also sent me a BLANK odometer reading statement asking that I sign and return ( this document should have been signed when i physically returned vehicle and should have been filled out by Ally ) ; I refused to sign this document. I subsequently filed a complaint with the XXXX XXXX XXXX and the XXXX XXXX XXXX ( Ally is HQ in Michigan ). I have never gained relief and that is why i am filing this complaint. The lease was honored by me and paid on time for the contracted term ( 24 months ) and the mileage did not exceed the XXXX. The amount described by Ally is fraudulent.
Company Response:
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX This Ally Financial car loan was my responsibility since XX/XX/XXXX. The old accounting shows my first late payment XX/XX/XXXX, which is a complete fabrication. I was actually several months late in XX/XX/XXXX and XX/XX/XXXX, which means that the payment history information is obsolete and has expired according to the attached Fair Credit Reporting Act at 605. Accordingly, the account needs to be deleted permanently and Ally needs to abide by its subscriber agreement with all three respective credit reporting agencies. This account needs to be deleted permanently! 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, anteda te 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. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The primary borrow filed chapter XXXX bankruptcy and didn't tell me he was doing so. The vehicle was included in his bankruptcy but the financial institution is still reporting 2 years after the bankruptcy that I owe the full amount. I have called the company and they have XXXX records for me. It has been transferred to their asset recovery division but repeated attempts to contact them fail and they say they are closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70706
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
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: Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible?? Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
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: XX/XX/XXXX - Received a XXXX XXXX certified check for {$28000.00} from a private party purchasing our XXXX XXXX. The check was written to XXXX XXXX and Ally. I signed the check and sent it to Ally that same day with a payoff letter provided by XXXX XXXX and a letter directing Ally to send XXXX XXXX the title they were holding. XX/XX/XXXX - The cashiers check cleared at XXXX XXXX. XX/XX/XXXX - Ally paid off my loan balance of {$9300.00} leaving an over-payment of {$18000.00}. XX/XX/XXXX - The Buyer called me with Ally also on the line to get permission to ask where the title was. XXXX XXXX was wondering where it was, also. Ally said the title had been mailed to the bank. I then asked the Ally customer service person when I would see the remainder of the payment. They said it was Ally 's policy to wait 18 days before returning over-payments. I asked if they would be paying me interest on my money just as they were charging daily interest on my loan until it was paid off. She said something like " No, we won't be charging you any more interest. '' I tried to explain that she did not understand my question, but got nowhere. I asked where she was, thinking about contacting the state attorney general and she said she was " off shore. '' XX/XX/XXXX - The buyer contacted me again to see if I could follow up on the title. I called Ally to find out where the title was and to check on my money. They said the title was in the mail and that my over-payment was being processed. XX/XX/XXXX - The title arrived at XXXX XXXX. The buyer had to bring it to me for my signature to sign the vehicle over to them. I asked this agent if she was also off shore. She said she was. I asked where. She said the XXXX. XX/XX/XXXX - I called Ally to find out where my money was. I started to record names. I believe I spoke with " XXXX '' first. I asked for a XXXX. I was transferred to XXXX, I believe. She said the check had been cut on XX/XX/XXXX and it usually took up to 10 days to get mailed out. She thought I should receive the check that same week of the XXXX. XX/XX/XXXX - On XX/XX/XXXX, I had received a " Congratulations '' letter from an Ally office in XXXX XXXX, MD. I thought it was the check. I contacted the Maryland Attorney General 's office and filed a complaint much like this one. My complaint was that the time Ally held our funds and the the time it took to actually release the funds, all interest free, was way too excessive and fraudulent. I am not an attorney so I am not sure if fraudulent applies here. I just feel taken. After filing the complaint, I contacted my buyer to see if she could find out when the cashier 's check had cleared XXXX XXXX. She did better than that and actually got a copy of the cancelled check. XX/XX/XXXX - I called Ally. I immediately asked for a XXXX I was transferred to XXXX. XXXX put me on hold for about 10 minutes while he reviewed my account history. XXXX said my money had been sent to the bank that issued the cashier 's check, XXXX said he could not see in his records which bank that was. I lost it a bit and called them XXXX I asked why would they send funds from a check written out to XXXX XXXX and Ally and signed by XXXX XXXX, then turned over to Ally, back to the bank that issued the check? It was no longer the banks money. It was my money. And why is this the first time I was hearing about the money going to the bank and not me? XXXX said it was Ally 's policy to return over-payment amounts to the institution that issued the final payment. That I should call MY bank and ask for the money. I explained as best I could that XXXX XXXX was not my bank and would not know why they were getting my money. It was my buyers ' bank. XXXX said it was policy. I asked XXXX if he was in the XXXX. He said he was. I hung up before saying anything more I would regret. After ending the call, I texted my buyer and asked if she would contact her bank, XXXX XXXX the next day and see if they had received a check from Ally. She said she would email her banker immediately and call her the next day. XX/XX/XXXX. I found out my buyer 's personal banker was out of the office all this week. She found someone else who is trying to track down any information they might have. I am hoping XXXX XXXX did get a check and that they did not send it back to Ally wondering why they got it in the first place. I am guessing that if my buyer 's personal banker did not get involved, then the bank would not know who XXXX XXXX was, if my name was even connected with the check. Otherwise, I am hoping they did not get the check yet and will now know to look out for it. I gave my buyer my Ally account number to give to her banker in case they need to contact Ally. I am assuming if they do, they will need to get me involved as before to discuss the details of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50401
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: After we purchased vehicle it began to have mechanical issues the motor blew on it. We had the car for less than six months. I made numerous attempts to have them repair the issue however they would not honor the warranty. At that point the vehicle would not drive I had told them to then come pick up the vehicle which they did a few days later. I have never received a bill or statement of proof of the debt as I have disputed this many times. The company has NEVER provided the proper documentation to support this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A