Date Received: 2020-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points. 2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! b. Together these two accounts have ruined my credit for seven years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
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: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I never received information on when my vehicle will be repo. I called Friday to see if I could get pym arrangements or put pyms on hold due to Covid19 and was refused. Tuesday my truck was picked up. No letter in mail no email no phone call saying I have until this time to that time to make pym or vehicle will be repossessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
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, and ALLY FINCL. 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, and ALLY FINCL 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: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ALLY FINANCIAL with no successful resolution. XXXX only reporting me late. 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: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: my son was driving my car on XX/XX/XXXX he was hit by a drunk driver my car was declared total and taken to the salvage yard. i called my car loan company to let them know and i was working it out with other parties insurance to have car paid of, this took several months once they agreed on the amount to pay i was left with a balance as i did not have gap ins on my car. during this time i was communicating with allay total loss dept, they gave me the pay off on my car as i knew it had to be taken care of. at this time we are in XX/XX/XXXX. i wrote a check to the car fiance company and they told me they would app ; y to my account and it would be marked as paid off in full. I then proceeded to think that was what they were going to do. THAT WAS NOT TRUE In fact they reported to all of the credit bureaus that my car was repossession vehicle. i found this out as i was checking my credit i was shocked upset and confused, know they quickly cashed my check and lied to me. so then i started to call the allay finance company to help me fix this as it was obviously an error, to my surprise they were going to do no such thing. Mid XXXX i started to call ally company and i would be pit on hold transferred redirected over and over again to the point my days would start everyday calling them i would spend an average of 3 hours a day. i can not tell you how difficult it has been no one will help i have been told to dial so many different number and i have been told we don't handle this in our dept itis the other dept or you need to speak to this person or no you need to go back to that dept i started to take names extension and still no help here are just some of the names and numbers i have called XXXX XXXX XXXX miss XXXX at ext XXXX or XXXX call her XXXX settle XXXX XXXX XXXX XXXX support team. This kept going on and on and on. at this point i contacted all 3 credit bureaus and they agreed they saw what i saw, they explained i should contact them i told them i have been trying to do this and no repose or help. they told me please send to them all of info and proof of payment has been made and they would correct this in their system so it would reflect not a repo but car being paid in full. i did send to all 3 credit bureaus proof of my car accident police reports pay off ins and my cleared check to ally that they had cashed. this was sent to each buderus certified return so i would have proof they received. during this time i was still continuing to call ally with no response or help to the point i was under so much stress that i was in the emergency room. after 30 days i contacted the credit bureaus and asked if the have made the correction and they informed me there is nothing they can do to help me. i asked them then why would you tell me to sen all the documentation to show it is not repo and do nothing i was so up set. i even went to call the president of ally but no luck. i am here now almost. 7 months after an accident that was not my fault my car totalled i try to do the right thing pay my car off and now wanting to buy a new car and not being able because i have a repo on my credit report please help me i do not know what to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My auto loan was deferred for 4 months starting in XXXX and end in XXXX. My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: on XX/XX/2014 I had automatic payment set up. They company couldn't process the payment and never notified me. I been trying to get his late payment which is not accurate several time been talking with them and never get any favorable Response. I am trying to get a mortgage loan and this negative affecting so I can't get approved because this unfair negative item remark on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally financial canceled my Auto pay without any notice. I had Auto pay from the beginning of the lease for peace of mind my payment will go through. During Covid they canceled my payment which i made through auto pay and my manual payment because i noticed a month later they canceled my auto pay. This has giving me a 30 days remark on my credit report. During that period i tried reaching out to ALLY multiple times but they were not answering their phone calls Because they were short staffed due to covid. I was finally able to contact them a month later after waiting on the phone for 45 min they gave me a case number regarding my complaint. They said someone should get back to me in 2 weeks. No on has called me. The reference number they gave me is XXXX. See attached proof of payments I made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A