Date Received: 2020-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an auto loan with Ally Financial in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud. I was lead to believe that I was just a reference to help the primary buyer. The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately. The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer. The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature. The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY FINANCIAL are suppose to update and report my credit report monthly. The last time my credit report was updated was XX/XX/XXXX. XXXX until - XX/XX/XXXX, has no payment history " data unavailable ''. I initially reached out to Ally on XX/XX/XXXX online email case # XXXX, on XX/XX/XXXX case # XXXX and spoke to a live rep that day and assigned me case # XXXX. Emails are suppose to be answered within the next 2 business days. I understand that due to COVID-19 my email wouldn't be answered right away, buts it been over a month ..UNACCEPTABLE! I contacted all three credit bureaus : XXXX, XXXX, XXXX and XXXX. XXXX and XXXX has been updated correctly. XXXX has NOT!! the disputes results remain the same. I now waiting for XXXX results. Attached I have proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I used the automated option to pay my auto payment.I received a confirmation number only to receive an email from Ally that funds were returned. Ally never pulled the funds from my personal checking account listed for payments. I contacted customer service and requested my automated payment option be deactivated. I was charged late fees and third party fees to keep my account in good standing. The following month I used the one time payment option and received a confirmation number. I received another email stating the funds had been returned. I contacted customer service and they said they would resolve the issue. Again late fees and third party charges. The next month the same exact issues arose only difference is that my personal checking account listed for payments was labeled unavailable. I called and spoke with another representative. They said they would transfer to IT. 2 hours on hold I had to disconnect the call. Called back a different representative took my payment over the phone, The following month I received a call from my Father who is the cosigner on my loan that he was taking a hit to his credit score because Ally was reporting all my payments late which also effected my credit score. I reached out to customer service and was met with no resolutions and more transfers to other representatives. I reached out to my Father and we decided that I would transfer funds for my auto payment into his checking account and he would make the payment. My Father was met with the same exact issues. Payment confirmation given only to receive and email that funds were returned. Again Ally never pulled the payment at anytime. His personal checking was labeled unavailable. More late fees and third party charges were accumulated. My father added another checking account and a payment went through. I spoke with another representative and they assured me that my checking account would be made available and all issues would be resolved. The following month I tried making a payment early and it stated my personal checking was still unavailable. Contacted customer service again. I was transferred over and over again.No issues were resolved. I filed a XXXX complaint and only then was I contacted by an executive customer service representative. I went into great detail of every problem myself and my father were experiencing. The representative assured me that the issues would be resolved and that she was viewing my account in real time. She stated that everything was fixed and that I should have no problems making a payment. XX/XX/2020 at XXXX I logged on to the Ally auto site to make a payment. The payments is listed higher than the monthly payment. Their breakdown shows an {$8.00} late charge! They are charging me a late fee when the due date is today! There were two payments made in XXXX and one of those payments had late fees attached again! My father and I have talked to numerous representatives to resolve these issues. We both have tried making payments early. I have yet to receive a phone call back for the representative I left a voicemail for. Theses issues started in XX/XX/2020! I don't know when I'll receive a call back but I can guarantee I'm going to be charged late fee 's and third party fees because Ally has yet to fix their problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We were never late on our Auto Loan with Ally financial. We paid our loan in full in XX/XX/XXXX. Ally had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through XXXX. Ally updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57702
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: We read on Ally Financial Bank Press release page dated XX/XX/XXXX that " New Auto customers will have the option to defer their first payment for 90 days. '' This is due to the Covid-19 crisis. There is no end date to this article or any exclusions to this article. We are new customers and upon request we were denied this by Ally Manager XXXX in Customer Service. This was today XX/XX/XXXX. This is in violation of UDAAP on so many levels and we want to report them as a company who is not abiding by their own practices and actions that they so publicly profess. This is deceiving, and false representation to mislead the public. The response from Ally Manager XXXX is we do not have a drop down so we can not offer this. We then asked if you have any documentation of this program ending because we have documentation by your company 's own website that this is still valid with no end date. Ally Manager XXXX says no we have no documentation. The CEO put in the same press release " At Ally, we recognize there has never been a more critical time to deliver on our promise to 'do it right ', and we are committed to supporting the people we serve safely and confidently through this crisis, '' said Ally Chief XXXX XXXX XXXX XXXX XXXX XXXX. What about now? https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98177
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A year ago I dismissed a bankruptcy. I have a vehicle loan with Ally Financial. I caught up all {$10000.00} worth of payments and have been caught up on payments since XXXX. My credit report still shows behind 60-90 days. I feel that this needs to be corrected as it is unfair to only report the negative and then nothing when paying as agreed. I have filed a dispute with XXXX but not XXXX or XXXX yet since couldnt do it online. I did send an email to Ally through my account on XX/XX/2020 that they have not responded ded to as of today. All I am asking is that they report things fairly and accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I've contacted this company several times over the last year because the balance that's being reported isn't correct.
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: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A