Date Received: 2020-10-28
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 had a loan for a car through Ally Financial. I paid my loan off on XXXX. After many attempts to receive my title I have now learned that they issued my car title to another customer, a car dealership in North Carolina. I have been reaching out to the customer service department weekly trying to resolve issue but I'm not getting anywhere. I have filed a complaint with the XXXX which elevated my customer service level but still nothing and now they are not returning calls. Last returned call XXXX in customer service stated that she doesn't have an answer to fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ally Financial company, The company reported me to the credit Bureau for Delinquent over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner. I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics. All supporting documents are available upon request. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ALLY FINANCIAL has failed to pick up the XXXX XXXX XXXX that my husband and i had financed. They keep reporting as a late payment to my credit. Even though this vehicle was included within my husbands bankruptcy. The vehicle was approved and discharged in XX/XX/XXXX from the bk and they still have not come to get it. They continue to report its late and that we owe. I was told that due to us being married and a marital property state they should have come to get it and stopped all collection attempts and adverse notice on my credit. They have not. I spoke to XXXX XXXX XXXX on XX/XX/XXXX trying to get this taken care of and it still hasn't been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. Identity Theft ALLY FINANCI Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft ALLY FINANCI Date of inquiry : XX/XX/2020 This is not mine. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate pro of of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I contacted Ally Financial and inquired about about a {$32.00} late fee they had charged me being XXXX year old XXXX veteran Im on a set income I never have missed a payment I had all my payment receipts so they corrected the mistake and took off the late fee. But asking what my balance was I was told by the representative that at 10.35 percent interest fee what my balance was And thats where the next problem Begins because on my contract it says 10.34 percent Not 10.35 interest I told him according to my contract it should be 10.34 percent he gave me the number to the Contract Revision Department So on XXXX XXXX @ XXXX Wednesday I called the Contract Revision Department and they would not correct the problem saying theres nothing they can do so I asked the guy you mean to tell me that although I have a contract that I signed in front of me at the interest rate of 10.34 % which is the rate I accepted this automobile loan for that you guys can raise the interest 1 % and say its on me this is outrageous you people are ripping off me off as a XXXX veteran and a tax payer of this country.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Correspondence sent to XXXX at her request, through the dealership, XXXX XXXX XXXX XXXX, Colorado ( buying dealership. ) I am writing in regard to a concerning phone call I just received from XXXX XXXX, a dealership in XXXX, Colorado that agreed to purchase my vehicle, a XXXX XXXX XXXX. I leased that vehicle and due to our current economic situation, which includes furloughs at my employer, I made the difficult decision to sell the vehicle. I attempted to contact Ally Financial and speak with a live person, but unfortunately your company had extreme hold times and I was unable to speak with a person. As a result, I used your automated system to obtain the payoff amount ( also referred to as a buyout quote ) and sale price of {$25000.00}, which I confirmed by going to Ally.com, as shown : XXXX attached to original email I subsequently provided this information to XXXX XXXX who agreed to purchase the vehicle for {$26000.00} which I agreed to. Colorado law allows for lease buyouts through a licensed dealer and there is no stipulation for different sale prices for the lessee or purchasing dealership. A single price is offered and communicated in both the Ally SmartLease document I signed as well as Ally 's website. I attached relevant screenshots to the original email. I'm confused why, in the second week of XXXX, Ally/XXXX has chosen to try and add an ADDITIONAL cost of {$590.00}, without notice, without lawful disclosure, per Colorado Revised Statutes, and during these unprecedented times where the trend from ethical companies is to support their customers! From Ally : image.png ( screenshot from Ally 's emails stating they will support customers during the pandemic, particularly those in precarious financial situations, of which I've found myself in, through no fault of my own. Their email also includes thanks to XXXX XXXX for their service during COVID-19 ) This is all the more ironic, considering my wife ( co-lessee ) and I are both XXXX XXXX XXXX XXXX! Furthermore, my records indicate this lease was closed out as paid almost a month ago : image.png ( attached to original email and shows the lease as paid/closed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is extremely out of the norm, extremely disconcerting, and frankly, a very sloppy way to do business. I had every intention of leasing another vehicle from XXXX when our financial situation stabilizes along with the economy in the future, but based on how this shakes out, I may find another financial institution to do business with. Lease buyouts, whether at term or early, are negotiable. Fees, charges, penalties, et. al. are all subject to clear and distinct disclosure requirements, per the Colorado Revised Statutes, and per the Consumer Leasing Act ( 15 U.S.C. 1667-1667f ). I would implore you to carefully review this situation, in light of the totality of circumstances, as well as the laws that apply in this situation, particularly since this " fee '' seems to me to be arbitrary, considering the standard of lease terminations. Respectfully submitted, XXXX XXXX XXXX This email was sent XX/XX/XXXX and I confirmed it was a valid email address through the domain controller. The email has been and continues to be unanswered! There is no provision to speak with these people by phone. Attempts to contact them by phone result in hours of wait times. I have also sent emails to their general customer service and even their XXXX page! No response. They have since reactivated the lease in their online system ( account manager ) amnd now show me to be past due!!!! They are in receipt of a check for the advertised ( on their website! ) payoff amount of {$25000.00} sent by XXXX XXXX XXXX XXXX, CO. They then contacted XXXX in Titles at XXXX XXXX ( XXXX ) and asked for an additional {$590.00} " fee '' because I was not the person/entity that sent the check in. Nowhere in the signed Smartlease contract I have are there any stated provisions for if/when a licensed auto dealership ( in Colorado or otherwise ) may be charged an additional fee. In fact, Section 3. of the SmartLease contract indicates there is NO OTHER CHARGES and NO DISPOSITION FEE. Section 28. - Early End : You may end this lease at any time. We ( Ally ) may end this lease if you are in default or the vehicle is a total loss. I have never been in default on anything in my life. My last credit score provided to me by the dealership was XXXX FICO. My only expectation at this point is that Ally Auto Financial/Ally Bank immediately remove any and all " late payment '' reporting to my and my co-lessee ( XXXX XXXX ) credit reports and accept the payment sent to them in accordance with applicable state and federal law and the aforementioned contract ( SmartLease ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
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: Ally Financial Account # XXXX. All payments were made on time each and every month. Cashiers check in the amount of {$10000.00} was sent to Ally to pay off the car loan. It was mailed on XX/XX/XXXX. The payoff amount was good until XX/XX/XXXX. When I spoke to XXXX from Ally Bank on Friday ( XX/XX/XXXX ), he said the check was received within the payoff window and we do not owe anything additional. But he could not/would not tell me the date they received my check. XXXX XXXX said the check cleared on XX/XX/XXXX. The car was in the police impound lot and Ally Bank recovered it on XX/XX/XXXX before I had the opportunity. Phone calls have been made by Attorney XXXX XXXX to Ally to resolve this matter since at least XX/XX/XXXX. Attorney XXXX has called at least 10 times, and has been hung up on at least 3 times. Ally is asserting a balance due. Ally stated the balance due is for charges related to the repossession. The urgent concern is that I paid off the vehicle, and it was repossessed AFTER I paid the note in full. Therefore, if I do not receive all monies paid on the note plus attorney fees OR the vehicle with clear title plus attorney fees, I will be filing a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: The company involved ( XXXX XXXX XXXX XXXX, CT ) pressured me into buying a used XXXX XXXX at XXXX miles. They explained that the car was like brand new and had no issues. Unfortunately, the car did not even last 3 1/2 months. I have always taken good care of used cars, but this case was different. They took no responsibility and were rude to me whenever I tried to bring the car for a checkup. They even tried to tell me to get out and to have " a nice day. '' I brought the car to them about 6-7 times in a 9-month time-frame. They never helped me at all even though I offered to pay. The final time I brought it, I brought in my XXXX XXXX XXXX XXXX to fix a broken XXXX and a XXXX XXXX leak. The day after they " fixed '' it, it completely failed and stopped working. They were rude to me and told me it was my fault and kicked me out. I was left with w broken car with {$7100.00} still due to the bank. They refused to help me and sent me away. I spoke to fellow customers who told me similar stories. As soon as you buy the car, they force you to do a survey for a free oil change where they make you sign a 5/5 star review on XXXX. This review should be more like a 1/5. Bad Customer service and very bad XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2019, my vehicle was repossessed and later sold despite many attempts to contact the company to resolve the account billing discrepancies historically existing on account. Subsequently, the company reported this erroneous, inaccurate account billing discrepancies to all credit reporting agencies. Please be advised, Complaint ID : XXXX, submitted on XX/XX/2019 which was regrettably closed on or about XX/XX/2019. Moreover, I am submitting this complaint with additional documentation to redress this original complaint with the same theme restating inaccurate account discrepancies with the payment history of payments submitted to on account. Upon the payment proofs submitted, please find that with the advanced payments on account, this account standing existed with approximately 17-months of advanced payments. With these advanced payments this fact this account was never late with payments on account. Additionally, the proofs of payments submitted by receipt leaves no doubt as to the findings of inaccurate account billing discrepancies claimed in this original complaint filed under Complaint ID : XXXX, dated XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The payment for the loan payoff to Ally was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and Ally still reported my loan late 2 weeks later from the email they sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A