Date Received: 2020-07-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX. We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way. We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX. This leaves a balance due {$5100.00}. Ally now tells us the payoff is {$9000.00}. " Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts. Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming. We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result. Please help us with this gross violation with Ally Financial. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This started when I made my last vehicle payment. Ally bank took two payments out of my checking account. When I called Ally regarding this, I was told that one of the two payments could not be cancelled, and that a manager was not available to speak with. I was also told that I would have to cancel the payments through my bank. I did cancel the [ payments with my bank and since the end of XXXX have not been able to make the payment. I have called Ally numerous times regarding this yo no avail. Now they're telling me my account is delinquent, incurring fees, after I've already incurred cancelation fees with my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
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: Ally Financial failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Ally Financial XXXX XXXX XXXX I have previously complained about Ally Financial in regards to this Vehicle. 1 vehicle was in XXXX, Paid in XX/XX/XXXX by insurance company had a balance of {$440.00}. paid this XX/XX/XXXX they now say on my credit report that I was late in XXXX of XXXX and XXXX of XXXX and that car was paid in XXXX XXXX but Ally has it as a closed account and not as paid as agreed or paid in full. since they closed my account my credit score dropped 26 points. I believe that if the show on time payment for XXXX and XXXX and show that car was paid in full my credit score would be better to get a lower interest rate on another vehicle. this does not reflect only my self but I was to be the cosigner and not the account holder as I was helping my son to improve his credit.. previous complaint number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XX/XX/XXXX Me and my husband bought a used XXXX XXXX vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}. Please help us resolve this issue and hold the car dealership reliable! Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Paid company {$4300.00} to be applied to Ally car account for previous car lease on XXXX XXXX XXXX.Ally still attempts to collect on debts not owed due to offer of settlement that was believed to resolve the aforementioned account. The payment was applied to but didnt satisfy the entire balance and obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an auto loan account with this company since XX/XX/XXXX. The last time they reported to the credit bureau was XX/XX/XXXX. I have contacted the company monthly and still nothing. Also they were caught not crediting bank electronics direct payments, Once it was brought to their attention, they said because of Covid 19. The company name is Ally financial.. The contact info I have for them is XXXX XXXX XXXX, XXXX, MN XXXX. Telephone contact XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding Ally Acc # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
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: This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Ally Auto has not reported any of my payments since XX/XX/2019. This is impacting my credit as I'm missing positive payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A