Date Received: 2020-11-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with Ally Financial that is paid by my son. I live in XXXX, he lives in upstate XXXX. Over the past few months there have been payments made that were returned for insufficient funds when in fact there was more than enough money in the account to cover the payment. Most recently I set up an auto-pay account so that Ally will take the payment out on the due date. The payment ( {$550.00} XXXX was made on XX/XX/XXXX and acknowledged by Ally. 9 days later it was returned for insufficient funds. There was over {$600.00} in the account at the time of the payment. In addition as of this writing the money has not been returned to my sons account. Ally blames XXXX XXXX, XXXX XXXX blames Ally. In addition I have receipts for electronic transfers made in XXXX, XXXX, XXXX, XXXX and XXXX of this year. XXXX XXXX says the money was transferred, Ally says they never received it and those transfers do not appear on the Ally transactions sheet. Again they each blame the other and none of those funds were returned to my sons account. Those lost funds have resulted in over {$3600.00} in additional payments for payments that were already made. They have also destroyed my credit rating in the process. Numerous attempts to resolve these issues with both banks were unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I tried to contact Ally bank several times in 2018 and continued up until now regarding the fraudulent loan I was given with a washed title from the vehicle we purchased. The title goes directly to the bank when a vehicle is financed. Ally bank did not question the integrity of the title for the deal they were financing. CT attorney generals office contacted Ally and spoke to XXXX and XXXX in the president 's office explaining that the deal was fraudulent and that the title was washed. Ally refuses to do anything or go back to the original owner of the dealership to settle this. We've paid for a branded vehicle for 5 years and we've paid of most of the debt all while testing to negotiate with ally to rectify the situation. Ally did nothing and they knew that that deal was fraudulent. The dealer processed all the paperwork on ally behalf. If this is not resolved we will seek legal.action for a full refund of the vehicle price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. Ive spent significant time on the phone and webchat trying to recover losses to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
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 Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received two notifications on my credit that two separate dealerships ran my credit. I recently sold my truck snd have had no use in looking for newer vehicles. Confused on to how or why its being used.
Company Response:
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My XXXX XXXX XXXX financed with Ally Financial, I'm at the end of my finance contract. There is a vehicle repossession fee added to the balance that is owed. Vehicle never was reposed. Spoke with Ally customer service several times. Ally refuse to make adjustment for the repo fee on account. Please assist me with getting this issue resolved. I'm questioning late fees that's added to account, Ally Customer service stated payments were paid on the XXXX or before the XXXX of every month. Ally records show payments due XXXX of every month. Ally has been charging late fees for the wrong payment due date payments are due on the XXXX of the month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sold my car to XXXX on XX/XX/XXXX, XXXX sent a payment in full to Ally on XX/XX/XXXX which they cashed. They did not apply it to my account to pay off the car as it was intended, instead they pocketed the money and claimed there was an issue with the check even though XXXX and I had evidence of payment received and processed. I called Ally 3 times a week and talked to someone whos was always outsourced and never on-shore, they kept giving me conflict of information and now, my credit is showing 30+ Days late when I already paid the car completely off 2 months ago! This is the tracking number for the {$22.00}, XXX check I sent out : XXXX XXXX
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I took a hardship extension for 3 months due to Covid19. I was told that those payments would put to the BACK of my loan. I have now noticed that when I restarted my payments up in XXXX, Ally is applying my ENTIRE monthly payment towards interest. So why am I paying double the interest if when I was told that those payments would be put to the back of my loan? How does this make any sense? No one ever explained this to me. I am already suffering and now this on top of everything else. This company is bias and I would not recommend that anyone do business with them. This has put me deeper in debt with this lender and for the past 3 months all I have been paying is interest. BUYER BEWARE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Tue, XX/XX/XXXX, XXXX XXXX a wire transfer was submitted to Ally Bank for {$2000.00}, 37 minutes before the XXXX cut-off time. I called Ally Bank at XXXX to get a status of the wire transfer and was told that the wire status was set to Complete at XXXX and that it would go out that day. Wed, XX/XX/XXXX, XXXX I contacted Ally Bank to get another status and the customer service rep checked with the wire department and was told that the wire was now In Review, but nothing I could do to escalate it. Wed, XX/XX/XXXX, XXXX I contacted Ally Bank and the customer service rep contacted the wire department and was told that it was with Loss Prevention and there was no ETA and nothing I could do to escalate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A