Date Received: 2020-11-14
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: I was billed by both parties. Ally bank sent bill {$1500.00} deductible of totaled car from riots in XXXX XXXX. XXXX XXXX already charged me the {$1500.00} and Then XXXX paid Alley more money which made the {$1500.00} to {$1000.00} .and then another {$230.00}. I have documents to back it up as well as letters from the Department of Insurance of seeing XXXX wrong doing. But I continued to pay for car even when is was totaled XX/XX/XXXX. XXXX sent Ally a check for car that was wrong amount because XXXX didnt compare like cars during assessment. I have proof. Then ally reported me to collections immediately for no reason. I dont owe Ally for my deductible since it was paid to XXXX. The car was vandalized. And took XXXX 4 months to take care of. Not my fault XXXX and Ally have horrible communication skills and Ally didnt investigate the {$6000.00} difference in. Comparing the same cars. ( how XXXX estimates the value of totaled vehicle ). And Ally has no right to report me without sending proper bill within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
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: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiry by Ally Financial listed on my credit bureau reports that I dont recognize
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial has reported a " remark '' and incorrectly reported a balance increase, for my auto loan, which was completely unwarranted, as I have NEVER been late on a payment since the loan was taken out almost 2 years ago. This has caused my credit score to drop tremendously. I have called several times and have been given reference numbers, but that's about it. My credit score is not where it should be because of these obvious errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The date started in XXXX to XXXX for the interest for the the month to month with the bank I called an the person on the phone said that they would give the interest but they were at the house because of COVID break from home they answered the call, should of been the monthly interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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: Decided to buy vehicle at the end of lease term form Ally Financial. Sent a bank cashiers check for full payment in accordance with lease terms that was processed by Ally on XX/XX/2020. Sent them multiple emails through their website that have gone unanswered. On XX/XX/2020 finally got a hold of one of their customer service reps who informed me that my lien release would arrive within 7-10 business days. After that did not happen, on XX/XX/XXXX sent certified letter to Ally financial and once again requested lien release. Received a call from Ally on XX/XX/2020 and the representative stated they were looking into it. Have not heard anything from Ally since then. It has been almost 2 months since vehicle was completely paid off with a bank cashiers check and still no lien release from Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: - XX/XX/XXXX I paid the remaining balance of {$350.00} on my account. - XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days. - XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week. - XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days. - As of todays date, I have yet to receive my refund or the image of the check. - XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox. - XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not have any loans with the company and don't know why I have an inquire on all 3 Credit Reports XXXX, XXXX and XXXX ALLY FINANCIAL Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX, XXXX and XXXX is reporting this repossession inaccurate on my credit report. First XXXX and XXXX is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX and XXXX is reporting a month term. This car is a repossession it should not report a term length. XXXX is reporting the date of last activity as XX/XX/2019. XXXX is reporting XX/XX/2019. XXXX is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Dear Ally Ms. XXXX, Your letter on XX/XX/XXXXXXXX stated ; " although we regret any any misunderstanding that occurred, our position remain unchanged '' On XXXX XXXX, XXXX, you stated in your letter that " Ally bank is willing to work with you to explore your eligibility of for a contract changes '' Ms. XXXX you said Ally is willing to work with me for contract changes. I tried to call and send a letter requesting and asking for a contract changes. Now you said your position remain unchanged. Are you now saying you will not make changes to the contract? Ms. XXXX can you explain to me why Ally bank and XXXX XXXX choose the lower credit score for the loan? It will help explain if you can explain the process, or regulation that you use to determine the lower credit score, APR and the finance charge etx. This is going back and forth, I do not understand why you choose the lower credit score. Explaining to me the process and the regulation that you use to determine the lower score, the APR and finance charge will greatly help me. As far as the the sale contract is concern. Yes I sign the sale contract but I did contested the contract the same day. And to be clear I did not sign the contract with the guy who approved the loan. The guy who approved the loan only explain to me the monthly payment and that I have been approved for the loan, and asked me how much I have for the down payment. I sign the contract with a lady in the third floor in the building of the dealership. During the signing of the contract the lady was not very detailed to be precise. After signing the contract, they asked me to go sit down in the first floor lobby while I wait for the car. They were preparing the car. As I sat in the lobby waiting the car, I read the contract in detail. I left the lobby came back to the second floor and contested the contract. They said it was a done deal I already sign the contract. They asked me to contact Ally Bank. I called Ally bank, Ally bank said as long as I have not made any payment, they have have no business with that. Let me go back to the dealer. I went back to the dealer and return the car. I have copy of the email I sent them to proof that. They called me repeatedly and asked me to come in. When I came in to the dealership, the manager came and spoke to me, he said let me take the car and find a bank to buy me out. When I do find a buyer they will applied the payment I have made to the principal. That why I took the car. Now when I went there after your first letter in XX/XX/XXXX, they said I should negotiate with you, they have no hand there any more. You said I should contact the manager of the dealership. You keep sending me back and forth. In summary, I contested the contract from day one, I called Ally bank, I returned the car and have been contesting the contract ever since. You keep sending me back and forth. You said you are willing to work with me to make changes to the contract and next you said you position remain unchanged. But explain the process or regulation or rule you use to determine the lower credit score. As far as the payment is concern, I am not getting any hours due to CONVID -19. So I have very limited income at this point. I have received threaten letters that you will reposes the car any time from now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A