Date Received: 2020-07-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account. I did not become aware of this until I received a statement from Ally Financial indicating that I was in arrears on my lease payments. I contacted both Ally and my bank ( XXXX XXXX to determine what had happened because I had confirmation of the payments being made by the bank to Ally. After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to Ally 's records. my problem/grievance is that even though the problem has been addressed and rectified, Ally has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. I want the record corrected, and my score prior to this error, reinstated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted Ally Financial numerous times for a co-singer release. I need my name removed to avoid contact with this person for the safety and well-being of my family and myself. They will not make an exception and remove my name for my safety
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Nevar gives permission to run my credit never give any permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I switched to Ally bank because I loved the thought of controlling my debit cards, being able to turn them on and off. So I went through the process to open an account then funded the account. Just XXXX $ to start the bank account. This was on XX/XX/XXXX. On XX/XX/XXXX my direct deposit was deposited. Which I transferred to ally bank same day as being eligible to open the account. I call to set up my XXXX on XX/XX/XXXX and I start getting asked a bunch of security questions. Which I answered them all correctly. The lady specialist then informed me that since I had logged into my bank account on my wifes phone ( which is in my name through the provider ) that this was enough reason to close my account because I had used my log in info on another device besides the one I registered the account with. I then proceeded to ask why and what the issue was and she just kept getting rude and more rude. I asked if I would be able to withdraw or transfer my direct deposit of {$1600.00} that was just posted to the account and the specialist then stated that they will not release any of my funds and I may receive a check at a minimum of 5 weeks of my funds. I have no issue closing the account and just using my previous bank, but for them to basically steal my money is beyond in humane. I have Bill 's that I can not pay now that will be late and cost me even more in charges, not to mention trying to provide for my family and feed them since I am a salary employee and get paid only two times a month. This seems extremely illegal. I should of been given an opportunity to make arrangements to withdraw or transfer my money, or at the very least ally bank send my direct deposit back to my employer, which I also asked them to do and they refused. I live by XXXX XXXX book, so I do not own credit cards to help me make it until I get paid again. Ally bank has literally taken food off my family 's table and made it almost impossible to survive until I get paid again on XX/XX/XXXX. I'm sure you have a million complaints and others you're trying to help, I just ask that someone reaches out and gets ally bank to release my direct deposit or send it back to my employer. No one should ever go through this when they open a bank account and ensure the trust of their wellbeing in a company, just to get blindsided and basically robbed. Thank you for your time and hopefully your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home loan was transferred to Ally Bank on XX/XX/2020. I still have heard nothing from Ally Bank regarding mortgage payments to this new servicer. I can not make payments online b/c I have not been provided a loan # by Ally Bank. I can not reach anyone through any of the phone numbers I can find for Ally Bank. The automated line for Ally Bank states that my payment is overdue and that Ally Bank is attempting to collect a debt. I suspect this may be fraudulent activity on the part of Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: states that i still owe XXXX, however this loan was paid off almost 2 months ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
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 purchased a car in XXXX using Ally Financial as the lender. Due to this being a pandemic, the earliest appointment I could get to register my car with the Secretary of State was XX/XX/XXXX, which shouldn't have been a problem because my temporary tags didn't expire until XX/XX/XXXX. I went to the SOS and discovered that my title was invalid. Turns out Ally Financial voided my title and requested a new one, but they won't send it to me to register my car. I've talked to 4 " customer service '' agents and the best they've offered is to send me a letter letting stating that I did purchase the car and hoping that the Secretary of State will accept that in lieu of a title ( unlikely ). However, I haven't been able to test their ridiculous theory because, despite initially telling me I'd get this letter by XX/XX/XXXX, I have not received it. So after today, I will be driving around with expired tags due to their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Auto has not updated my credit report to the credit bureaus since XX/XX/2020. They have my balance listed as {$9500.00} when my account balance as of XXXX XXXX is {$8700.00}. Also a late payment 30-59 days for the month of XXXX is listed on my report that i paid in XXXX. All these issues have resulted in a 140 point drop in my credit score which I need to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A