Date Received: 2020-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an auto loan with Ally financial with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay Ally but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and Ally will report the balance as zero, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with Ally is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/20 After being transferred around between multiple departments at Ally Bank. I finally got a representative in the billing department. I explained that I recently got a new installment loan and set up the payments online. During the online setup I accidentally set up a onetime payment and reoccurring payments for the future months to come. They both pulled at the same time when only one should have pulled for the month of XXXX. I explained the situation and it is clearly noted in my transaction history. I asked for one of the payments to be returned since I honored my monthly obligation via the loan contract. The representative attempted to provide me an alternative that was not conducive to my financial situation. She explained that she could just apply the extra payment for XXXX. I let her know I just wanted it to be refunded to my account. The representative stated since I did not got through my bank that it could take up to 7-10 days for it to be investigated. I was not sure exactly what needed to be investigated if the transaction history clearly shows a double payment. I finally spoke with XXXX ( XXXX ) supervisor of the payments and billing area. This supervisor told me that the payment can not be returned because I have an outstanding balance. I explained to her that I honored my loan contract, I have not gone into delinquency. I advised her that this is an unfair, deceptive act, and practice. She replied back that I am wrong that its only unfair if it was based on my race, ethnicity or gender. Instead of arguing with her I asked her to send me an email as to why she can not refund my payment, she stated that she can not do that and that she will escalate my request to be investigated. Thankfully I am not in financial distress and this has not caused me any fees, but I can not imagine the other customers they have that are in a bad situation. This practice should be thoroughly investigated especially in these unprecedented times. The reason we take out loans is so that we can make affordable payments towards them. If we are making our payments and accidentally apply more it should be returned back if requested. In this situation the consumer ( myself ) was punished for making a extra payment and not going through my financial institution to have it refunded, when they were not the originating bank. Ally Bank also makes it very difficult to contact them electronically. It seems as if its to conceal the consumer from having evidence of their unfair, deceptive, acts and practices. XXXX did provide me an investigation confirmation number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17057
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was not late on any payment in XXXX or XXXX please have that reflected on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. Sincerely, XXXX XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ally Financial has called me three times already on this phone ( I just got it in XXXX ). They call about contacting my sister about her auto loan. They were told that my number is not hers and that they need to be calling her instead. Im on the do not call list too ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17015
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi, I and my girlfriend did a refinancing with AllyBank a couple of months ago and got approved, signed all paperwork, and moved our mortgage from XXXX XXXX XXXXXXXX to AllyBank. Since that, all documents sent by them are only on my girlfriend 's name, and I can't even set up a payment on my name, even if my name appears on the mortgage. I've been trying to call them many times, with absolutely no answer, they supposed to call back many times and it never happened. Now we have a mortgage to pay at the end of this month, on my name, and I can't even set-up the first payment. At this point, I need external help ... Thanks,
Company Response:
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: Ally Bank received an ACH from XXXX in the amount of {$520.00} on XX/XX/2020. The account it was sent to was closed in XX/XX/2020. Ally has not returned the money to XXXX yet and XXXX will not reissue the money to my current bank account until they receive an official rejection from Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35811
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My car was paid off and I never recieved the title to my car. I have been calling for 6 days and no one seems to know where is the title. I will appreciate if you ask this company to send me my title.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A