Date Received: 2020-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am still affected by the covid 19 and need another payment waiver. I am not back to work yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
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 hired XXXX XXXX XXXX to collect on an alleged debt for about {$3300.00}. They advised me they are authorized to collect and I verified this with Ally. I settled the alleged debt in FULL for {$1300.00} on XX/XX/2020. I have the letter from their authorized representative stating this. I have disputed with all three major credit agencies and Ally continues to damage my credit by verifying false information. Here is the quote from their representative : " We are an authorized representative for Ally Financial. This letter is to confirm receipt of your final payment of {$1300.00}, received on XX/XX/2020. Upon clearance of funds, the above-mentioned account will be closed as settlement in full. '' The document I have attached, that the company sent me as proof of payment in full, is protected with the last four of my social security number and can be opened with that 4-digit number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I signed a lease with Ally for 24 months. I made 24 payments. Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020. Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020. Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020. This means, I owe one more payment and it will not be due until XXXX. Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference. Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them. I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ). She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up. My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This complaint is in regards to harassing phone calls that i have been receiving from Ally Financial in regards to an auto loan that i currently have with this company. I been starting to have issues beginning with XXXX of last year. I had fell slightly behind with my auto loan in XXXX because I had a financial emergency. I have called Ally and explained what was going on and how i will be addressing the situation. However this company continues to call my phone repeatedly multiple times a day and leaves multiple messages a day and even got to the point of calling family members. I have called them on a few occasions to let them know that i do not want them calling my phone multiple times a day and not calling my family members at all. They have not to my knowledge called anymore of my family however they are sending text and repeatedly calling my phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27617
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial has not reported to the credit bureaus since XXXX of 2019. I have requested them to report my on time payments as well as the new balance on the account and they have failed to do so. The reported balance is {$5500.00}, the actual balance is {$3800.00}. I called and they told me their policy is their investigation into why it is not reporting will take more than 45 days. I explained this is illegal and they did not care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on the date of XX/XX/2020 there was an inquiry made by Ally Financial on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Ally financial, my car note company - HAS NOT reported my payments since XXXX of 2019. They said that they would make note and update it and NEVER have. They will report when you miss a payment or don't pay them, but won't update a positive report? I'm angry. To say the least.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Car crash on XX/XX/20 My insurance totaled vehicle and paid Ally what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. I have been negatively affected by Ally and this is not ethical to make me and my credit suffer. My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. They have not reported to any Credit reporting agency the vue of payments made. They have made false reports on their own recongnisense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A