Date Received: 2020-07-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: During the Covid situation has taken over our lives I contacted Ally who is where my car loan is through. We explained our plate loss of jobs loss of income loss of life.When contacting Ally they were willing to help us. Many months later the situation has not changed so which changed with their help they no longer are willing to help during this crisis situation. What recourse are do we have??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A complaint was filed on XX/XX/2020, regarding information being reported incorrectly on my credit report. On XX/XX/2020 Ally Financial responded that the charge off would be removed in which it was. However on XX/XX/2020 Ally Financial updated the account again as a charge off and increased the balance by {$640.00}. I reached out today to Ally Financial and spoke with XXXX and was told I dont know why and she would not have an answer until next week. This is unacceptable as Ally Financial is severely impacting my credit and possibly my employment due to their negligence and continued errors. This has been an ongoing issue since XX/XX/2020 and we are now in XX/XX/2020.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
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: I paid my loan off in full. It has been 10 days since the money has cleared my bank and they have not started the process of releasing my title. I called to see if I could do an electronic transfer, certified funds, or bank to bank transfer and I was told I could pay a secondary service like XXXX XXXX and they would process my account faster. I was told the had up to 10 days to start the process of releasing my title and would not give me a set time that it would take once the process was started.
Company Response:
State: KY
Zip: 423XX
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: {$4000.00} debt sent 609 dispute letter XX/XX/20
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ). When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket. Then the loan officer stated that he can not pull my XXXX credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get. I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX credit score by himself and blaming on XXXX ( again, I verified with experian that is not true ). this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ). Kindly see the e-mail exchanges.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I leased a vehicle through Ally Financial and a lease returned was done on XX/XX/2020. I received a letter from Ally Financial dated XX/XX/XXXX stating that the inspection was completed and there was an Excess Wear Charge of {$710.00} plus tax for a Windshield Crack greater than 1/2 '' diameter. Upon reviewing the inspection photos, I found that the starburst was in fact less than 1/2 '' in diameter which per the lease agreement should have been a non-chargeable item. I immediately reached out to customer service and advised them that I wanted to dispute this charge. I then received the final statement stating that the charge was still included in the final accounting. Upon contacting Ally Financial by phone, I was advised that although the windshield crack was smaller than 1/2 '' in diameter, because the vehicle is a " premium '' vehicle they still needed to charge in full for the windshield. This information is not listed anywhere in regards to returning the vehicle and seems to be a ploy to take advantage of consumers. The vehicle was said to be already sold which would have been in lightening speed, a matter of 1-2 days which means that I was not even allowed to utilize my comprehensive insurance coverage for the damage which would have only been a {$50.00} deductible. I am an XXXX XXXX military XXXX and my wife is currently affected by the Covid-19 pandemic and this has caused an extreme and unnecessary hardship on my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 37363
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/20 at XXXX I initiated a wire request through Ally Banks online website. This wire was to find our new home closing. After multiple attempts to contact Ally, we were given the information your wire will go out by the end of the business day. We were forced to wait at the title company for 4.5 hours until Ally issued our wire. I have held numerous bank accounts and worked at several financial institutions, and never have I seen delays such as this for wiring funds! Completely unacceptable practices from a consumer standpoint. Fast forward 2 weeks, and Ally Bank has now begun to issue my online bill payments via check to one of the largest financial institutions in the country. Previously, payments were being made electronically, but now I am required to give a weeks notice to schedule a bill payment since its being issued via check. Allys website clearly says if the payee accepts electronic payments then the payment will be made electronically, otherwise a check will be mailed. They are not following their disclosure!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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 leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system. I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ). When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone. Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up. I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam. In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiries on my XXXX credit report that I did not authorized XX/XX/2019 Ally Financial, I did not authorize this inquiry. XX/XX/2019 XXXX XXXX XXXX XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A