Date Received: 2020-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a auto loan through XXXX they referred me to Ally. Upon which Ally used a credit bureau I have no knowledge of to run my credit report called XXXX. This company came back with a low credit score of XXXX, but XXXX credit score was XXXX. That a big difference between the two scores. I know this is not accurate at all. I know a lot o people will be filing a complaint againt XXXX. I foresee a lawsuit with this company please be sure I will follow suit also. This kind of thing is not acceptable at all. I truly hope you can clear this problem up soon. Thanks for lending a ear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got car finance with Ally XX/XX/2019, I been paid the most I can to pay off as soon as possible, Ally did accredit the payment to my account property and submitted false information to the credit bureaus. A complaint was filed with the Office of Consumer Affairs and Business Regulation, Division of Banks, their response was late, confused, and contradictory. A complaint was filed with the Massachusetts General attorney office, No update on that. The action of Ally was neglect, malicious, and cause damage my credit.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
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 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: 02302
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account. Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee. I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up. I tried calling back and it was a busy tone. I was unable to get passed automated system.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Original complaint XXXX was filed on XX/XX/XXXX. I have received no response from Ally Financial regarding seeking a refund on a cancelled Classic GAP contract. The GAP contract was cancelled on XX/XX/XXXX and I have not received a refund. Classic GAP states the refund was sent to XXXX XXXX however they were no longer in business at the time Classic GAP says they mailed the refund to the dealer. Per the attached cancellation form I am due a refund in the amount of {$230.00}. This loan is to be satisfied in the next 30 days aside from this remaining balance that will incur interest until refunded. I will not pay interest incurred as Ally was made aware of this complaint but has failed to follow up or act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33525
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at ALLY FINANCIAL This letter is in reference to a late payment with the account number XXXX. XXXX of 2015 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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: Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made an overpayment of the amount of {$1200.00} on XX/XX/XXXX of 2020 to accout number XXXX To Ally Financial inc . So I call them and ask them if they could refund the amount and I was told that they could refund the amount and that they would process it for a refund of XXXX, so I waited and didn't hear from them and didn't receive a check in the mail so I called them again and they stated that it was denied because it was processed for process before my car payment was processed so I would have to make the car payment 1st so that it wouldn't be late and then they would put the process of the refund in. So I waited and then I call them back because I did receive anything and they stated to me that it was supposed to be mailed out XX/XX/XXXX so I waited again another 2 weeks and then I call them back to let them know that I did not receive anything. I asked for a manager again and they said it was denied again because the requset for refund of the payment was put in and again my car payment was in process so again it didn't go through. So again they stated that I would have to make a payment for XXXX otherwise my carpet will be considered late and Any request for the refund will not process.So I made the payment for XXXX and it will process on the XXXX and that on the XXXX they would personally process for a refund of the {$1200.00} and that I would not have to call back and everything was taken care of So then I waited and then I called back again on XX/XX/XXXX because I did not receive anything and I told them what was happening and the first thing I was told by customer service was that there was a payment made out in XX/XX/XXXX and I told them no that's not correct that it was denied and was never processed and then I asked for Corporates number and I was told that They did not have corporates number and that they could not give it to customers so I ask for a manager again The manager stated to me that it was denied yet again and so then I asked for a regional manager and for corporates number because this just continues to happen over and over again. So then the manager Said that they will try to get ahold of the payment department but they could not and that she would call me back when with the information and I stated no because that's the problem. You say that you will and you never do. So the manager stated to me that she would put the payment refund process again and I told her no because I can tell you how the process gon na go and they're going to deny it again and ask me to do another pain man and it's gon na keep on happening over and over again.So I said I want to speak to a regional manager So then she stated that she was transfer me to superviser and was put on hold when she came back onto the line I was told that the supervisor will call me within 1 to 2 hours but I have not received a call from them yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: - I made extra payments to may loan principal. - But the payments were not applied to the principal - Several of the extra payments were automatically allocated to late fees. - Ally 's electronic payment system automatically allocates funds first to the payment ; second to outstanding fees, and third to the principal. - Ally policy states that customers may request over payment fund applied to principal - I called and emailed Ally the first time it occurred and stated that I would like the over payment allocated to the principal. I chose this because paying off the principal faster allows for less interest and finance charges. - But each time I called, Ally would reallocated only a portion of the amount from late fees to the principal. - The process would also take so long that the reallocation would cross another payment and I would have to call again to get the over payment allocated to from late fees to principal ; and once again Ally would allocate less than the amount allocated. - As it stands, Ally has not applied {$980.00} ( {$770.00} ) to my account at all. The funds were removed from late fees and not reallocated on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A