Date Received: 2020-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Yes I just purchased a new lease vehicle. Called ally bank. Asked for a deferral. They told me I have too weigh 6months. I'm in social security XXXX. Going thru hardship. Also corona virus. Hoping too get deferred payment. Hope they can make exceptions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally has continued to apply late fees and finance charges even though Ive paid my bill over the amount required and on time. Ive called the company and spoke to at least a dozen people who have all told me something different. Im in the process of refinancing through another company but they are truly scamming people. Ive spent hours on the phone with them and they continue to transfer me and hang up. Now its affecting my credit score as a late payment even though Ive been paying.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a dispute for two purchases from Ally Bank for two items of {$79.00} and {$27.00}. the dispute number for these items they told me was XXXX. I told Ally Bank that these two items were defective. They reported these purchases as unauthorized instead of defective. I received a notice saying that the purchases were authorized ( not what I originally reported ) and because of that they would not provide me a credit. My problem is, I requested the documentation used in making their decision for the dispute ( as is my right ) and have not received it. The second time I request these documents was XX/XX/2020. So it has been over a month now since the first time I requested it and I was told by Ally Bank today XXXX XX/XX/2020 ) that they made a note of it but did not send the documents. Ally Bank 's chat correspondence is not date and time stamped so I'm not sure how useful a screenshot of the conversation would be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
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 logged into my Ally Auto account on XXXX to see what the remaining balance was. My online account advised me that my loan was paid in full as of XXXX. I contact Ally at XXXX on XXXX to confirm the address the title could be sent to and was advised that there was still a balance owed of {$960.00}. I urged the agent to look again as I was being advised online the loan was paid in full. The agent requested I refresh my browser and my online was still advising me that my loan was paid in full. She again insisted that there was a balance owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called Ally and asked to add two to three payments on the end of the loan due to Covid-19 hardship. The rep kept saying sure but then would demand that I pay the full balance and no help. I then asked again and he said yes he would help and then demanded that I make a payment again. He kept agreeing to help then would demand a payment. I then asked to escalate it to a supervisor. He said sure but then didn't do it. He kept asking how much I could pay right then. I said I couldn't pay anything yet due to income loss. He then said he would escalate it XXXX this was the second request ), which again, he didn't do. He said he would send my request to a supervisor who would then contact me and help me. Guess what? No one has contacted me. We were on a chat for an hour in which he lied the whole time and kept demanding that I make a payment right then. I never got a supervisor to help me. I have had good standing with Ally until covid-19. The guy on the phone told lie after lie and then kept demanding payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
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 needed to pay off the loan and get a letter of lien release. I called on a Friday and was told if I made the payment by phone, the payment would be posted on Monday and I could get the letter. I made the payment, but when I called on Monday I was told there would be a 10 day hold before I could get the letter. Had I been notified of this hold, I could have made a payment with a certified check overnight. Now I may lose my sale due to this failure to uphold their promise.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 3. On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 2. On XX/XX/XXXX, ALLY FINANCIAL , INC add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 3. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report 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: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party. Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it. ( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately. Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim. Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party. I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A