Date Received: 2020-08-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2020 ... NOTE : I am XXXX yrs old, on XXXX as my only income, taking many XXXX that cause me to be somewhat XXXX, XXXX & XXXX. I have never purchased nor owned a new car in my life. Son called me from XXXX XXXX XXXX, XXXX, XXXX XXXX, asking me to come to the dealership immediately to " co-sign '' for a Truck. When I arrived, my son, his wife, the salesman ( XXXX XXXX ) and a stack of papers were waiting for me. I asked where the truck was and was told it was " in the back ''. The salesman, XXXX, had another customer waiting and informed me in a polite way that we needed to hurry. I began signing. The last form was the contract with the price and I then realized this was for a brand new truck, XXXX XXXX XXXX XXXX. I began trying to read everything and was reminded by the salesman & my son that everyone was in a hurry. I asked why the paperwork stated " buyer '' & " co-buyer '' and I was signing as the buyer. XXXX stated co-buyer & co-signer mean the same thing and the only reason I was designated as buyer was because my credit was better than my sons. Special note here, my son has violent outbursts, usually directed toward me. At this moment I felt pressured by everyone there, not thinking clearly due to my meds of course, ignorant and fearing my son, I signed. XXXX than returned with a key and handed it to my son. I asked if I got one too and he stated " no '' only one key because they are so expensive. I left. Recently ( XX/XX/2020 ) my son and I had another violent altercation so I began looking into the truck payments and other information I could find. My son had kept me in the dark once the truck was purchased and I learned not to ask. I did receive toll violations in my name with pictures of the truck. I went to the dealership requesting paperwork, information, advice and a key and was treated poorly. I did get the paperwork, was informed it was co-ownership not co-signing and I couldn't get a key unless I paid for one, keys were only available from the dealer & I would have to bring the truck to them to make it ... Of course, without a key to get the truck there, that was impossible. I am now aware, the 2nd key to the vehicle was handed to my sons wife, before I arrived?, to sign the papers. My son has made every payment late and informed me plans on continuing to do so, he doesnt care if he ruins my credit, gets my drivers license suspended, I cant register my car because of his non payment of fines, etc. I feel helpless. I feel that plans were possibly made between the salesman & my son, before I arrived, to get the loan thru, take advantage of me & give me false and/or as little information as possible. How does someone on an income of {$1300.00} a month get approved as a BUYER for a {$55000.00} Truck? My son knew the medications I took daily and the fear he instills in me. I am now searching to find legal help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hello, I have leased XXXX XXXX XXXX XXXX since XX/XX/XXXX, financed by Auto financier Ally. Due to the current pandemic condition, I lost job and tried finding one to my best. Since I am an XXXX XXXX, I need to find a job within 3 months to maintain my XXXX status or I need to leave country within 3 months after losing job. My deadline to leave country is end of XXXX. So, I tried transferring my lease and found 5 potential buyers from an online platform. Then, I called Ally to guide me through the lease transfer process. Since XX/XX/XXXX, I have contacted them for more than 6 times over call and the only response I got until now is - " We have suspended the lease transfer process and we dont have any timeline on when we will resume '' Since I can't stay here XXXX after XXXX, my only option left is to " leave the car and go back to XXXX XXXX '', as I am not getting any response from Ally to transfer the lease.I also requested to provide extension for my payment for the months for XXXX and XXXX, while I hope they resume lease transfer process, I got a response as to pay half of my monthly installment of those two months before 10 days of my payment due date ( my due date of payment is XXXX of every month and I requested for extension on XXXX of this month ). So, they were telling to pay within XXXX to obtain relief for these 2 months. Since, I currently don't have that much money to pay for that concessioned amount, I could have arranged some if I had given 10 days of extension after my payment due date. So, in my case what they call " extension '' is of no use and asked me to pay now to obtain that discounted monthly installment, which I felt was not fair. ( I have attached my chat screenshots for your reference ). I also let them know that, I am in a very difficult situation that, I couldn't afford to pay-off the rest of money left on my lease, as without the job, it's very hard to even support my living here. So, requested multiple times to provide approval for lease transfer. But, only action from their side was to provide direct contact to their " Lease transfer department '', which was of no help as a response from the other end is - " We are currently out of Office, Sorry ''. So, I got to know about CFPB from one of my potential buyer and I tried contacting Ally again by emailing about the situation. Their email response timeline says - Please allow 2 Business days for a response and I emailed them on XX/XX/XXXX and now it's XX/XX/XXXX. It's more than 3 days with no response and I have a very short time left to leave the country. I really want to settle things legally and to best of interest of both myself and Ally. If I was allowed to transfer my lease, Ally would got their rest of monthly payments and and I could go peacefully, carrying out all things per the regulations.Since I am not getting " no help '' from Ally, I had to reach out to CFPB, with great hope to get settled with my issue. I have also let Ally know that, I am aware of CFPB and would file a complaint if I don't receive any support from them, for which I didn't receive any response.Kindly help me and allow me to settle things to my best possible efforts. Brief description of my car lease Specs Summary 1. Model - XXXX XXXX XXXX XXXX XXXX 2. Color - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Mileage - XXXX ( as of XX/XX/XXXX ) 4. Total miles included - XXXX or XXXX + XXXX ( excess protection ) = XXXX 4. Monthly lease - {$430.00} with Ally 5. Remaining Months on lease - 19 months 6. Damages - None and single hand
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables. I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 588XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I received a notification that Ally reported to the Bureaus that my load was paid and previous balance was outstanding. This dropped my score by 28 points not positively impacting my credit.Our loan with Ally had been perfect never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing. 2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected. Ally Bank is adamant that I obtain some form letter per XXXX XXXX validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
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, the lender, refused to release MY title, the car was paid off XX/XX/2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: What is this complaint about? The complaint is against the performance and collection of the company Ally Financial for the purchase of a used XXXX XXXX vehicle, with VIN XXXX and agreement or account number : XXXX. What kind of problem do you have? They sent me to a debt collector or Collector, when a previous email had been received from ALLY FIANCIAL where the balance was XXXX and I would only have to wait for the formal letter of the account paid and settled. However, I was reported for bad payment and then sent to a collector without complying with a reasonable time or collection calls, or some different communication of payment. In other words, a letter was received from Ally financial where they explained the surplus that was left after the car was delivered in voluntary return and the sale at an auction that we did not know how it was made. This surplus according to the letter received on XX/XX/XXXX ( the day I arrived at the mailbox ) and dated XX/XX/XXXX, is worth {$3300.00} balance that according to the letter " to obtain more information about this transaction or to make payment arrangements, you can call the phone number listed at the top of this letter or the address. However, on XX/XX/XXXX I was already receiving an alert from XXXX informing about an account with negative information again from Ally Financial reporting to Collector but for {$2500.00}. What happened? Call the phone number XXXX as indicated in the only letter that I have received on my behalf from Ally Financial and speak with XXXX XXXX in XXXX, who actually affirmed that I had been sent to a collector and that I should arrange with They, when they did not even give me days to understand where the balance came from or know when and how to pay that supposed debt that was left from the return of the car. What company is this complaint about? Ally Financial XXXX. XXXX XXXX XXXX MN XXXX Phone : XXXX More information about it : my roommate who I helped with my credit score to buy his vehicle XXXX XXXX XXXX XXXX, XXXX XXXX, through ALLY financial, in fact before the return of the vehicle that was between the XXXX or the XX/XX/XXXX the payments were made by and all communication was made and received by ALLY financial with XXXX XXXX directly, in turn all emails or calls between Ally Financial were always made with him. I was not even in their phone records, they did not even have a record of my social number, until the end of XX/XX/XXXX when through a denial of federal aid credit for the COVID issue I learned about this whole matter of non-payment and proceeded to call ALLY at XXXX phone numbers : ( XXXX at XXXX at XXXX at XXXX at XXXX at XXXX XXXX at XXXX at XXXX and XXXX ) where none of the people solved anything for me. Also, on XX/XX/XXXX through the email from ALLY FINANCIAL ( XXXX ) announced that the account was paid in full, therefore it would have to wait 7 business days confirming what has already been described ( email attached ). On XX/XX/XXXX I sent a letter by certified mail to XXXX to appeal this situation and where I explained that since XX/XX/XXXX when the car was taken to be auctioned, ALLY FINANCIAL did not communicate again and when HE called they only told him you had to wait for the auction. Ally Financial also reported me in arrears from XXXX to XX/XX/XXXX damaging my credit history, taking into account that it had been returned at will because the installments could not be paid and even so the car was being used by ALLY FINANCIAL because already It was not a garment in use by HIM From that auction it was never known whether it was public or private or its details. What was known since XX/XX/XXXX was that there was no balance to pay. However, everything changed on XX/XX/XXXX for a letter dated XX/XX/XXXX and that arrived at the mailbox of the apartment on XX/XX/XXXX where now there is a balance of {$3300.00} and in addition to the days I was transferred to a collector not for that value but for another value {$2500.00}. To my unpleasant and last surprise on XX/XX/XXXX I see reflected through XXXX that I was again reported in collector for a value of {$2500.00} because ALLY FINANCIAL reported me for a payment that has never been refused to be paid. I am sending this complaint because I am the one who is reported to the collector and I never received any telephone or email communication or any other letter on this matter from ALLY FINANCIAL. When I helped my roommate in the purchase of his vehicle, which was on XX/XX/XXXX, I knew that HE was responsible for the payments and that I would be aware of every communication in this regard and with this I do not mean I do not assume my responsibility of course I do. I do NOT agree with the mismanagement given to this account where the only injured party is me who can not even drive a vehicle due to a physical condition that prevents me, due to XXXX XXXX XXXX as a result of a work accident suffered in this country. Letter sent to XXXX : XX/XX/XXXX Denial of loan to Federal Government : XX/XX/XXXX Documents you want to include : Payment statements Letter to XXXX Email where ALLY FINANCIAL states that there is no debt. XXXX from Ally Financial : XXXX XX/XX/XXXX showing a surplus XXXX report with current report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is in reference to ALLY FINANCIAL Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
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 a loan with XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A