Date Received: 2020-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My husband and I are in the process of purchasing our first home. We waited until XXXX on XX/XX/2020 to get the greenlight about our mortgage loan before I sent a request for a wire transfer. I sent the request at XXXX on XX/XX/2020. Note : This was an hour after the Ally Bank wire cutoff time. About an hour later I called Ally Bank because I never received a reference number for the wire. I was told that the wire department would contact me to verify the wire and that I would get a call around XXXX the next day ( XX/XX/2020 ). Today XX/XX/2020 - the day of my house closing - I called at these times : XXXX, XXXX, XXXX, and XXXX. Every single time I mentioned that we were on a time crunch due to us closing on our house today. No one ever mentioned to me any sort of delay or mentioned that they needed additional information to make the process go by quicker. Since I sent the request after the cut off time on XX/XX/2020 it allegedly didn't give the wire department sufficient time to get the verification for the wire to send out today, XX/XX/2020. My closing officer got involved and nothing was accomplished. We didn't end up getting keys to our house today because the wire was never sent despite the urgency of the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. I sent an email to XXXX and Ally but did not get a reply from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Complaint against Ally Auto : Who is the compalint againest : Their representatives and Ally Auto in general. ( Have not been able to get a call back from a rep for months. I sent a payment in the amount of {$420.00} by XXXX XXXX back in XX/XX/XXXX. I called Ally Auto after sending the payment, I gave them the pin number from the XXXX XXXX so they can receive the payment. However the payment was never put in. Which they have notes from the conversation in their system from XX/XX/XXXX that I called in regarding XXXX XXXX but no Payment code. I did not start seeing the late payment or fee 's on my online account online till XXXX and XXXX of XXXX. I never received a letter or even a phone call saying they never received my payment or anything. And luckily they never came to repo my car. Another thing I don't understand if they never received a payment. Wouldn't that be what they do? All their calls are recorded and documented. I also had one rep tell me the good thing was that no payments was considered 30 days past due. After speaking to another rep today. XX/XX/XXXX they told me a totally different story that because of this XXXX payment I have a late payment for XXXX, XXXX and XXXX of XXXX. Again when i called in I got a totally different story like usual. I have requested for a call back for over 2 to 3 months now and have not received one. When i have called back in to ask why i never received a call I was told once that they returned my call but I am on a different time zone so they could not reach me. Which is XXXX XXXX because I did not have any missed calls or voicemails. I want to speak to someone from Corporate. Not someone from the XXXX XXXX that just repeats the same XXXX thing every time i call with the same answer as the last person. I feel like they have a script in front of them that they just repeat. Because out off the hundred times I have called nothing changes they all say the same XXXX! I also have contacted money gram and have gotten no where. Since I sent it from XXXX I have to go threw XXXX and of course their employees have no XXXX clue whats going on and tell me to contact money gram. So last month I asked how much was the past due amount I owed so I could pay it. The girl tells me a amount and when i log in this month again I have a late payment. No one seems to care that there is XXXX of their customers money just gone. At this point I have been lied to so much that i don't trust any of these people. And wouldn't be surprised if someone at Ally 's has not pocket my payment. I am filing a complaint on all parties. I am also contacting a lawyer because I can not believe a company can do what these company 's have been doing is even allow and not some how illegal.. I feel they didn't tell me so they could hit me with late payments each month to make extra money. Every time I called in the reps can tell how much I owe.So why didn't they tell me about this for months and even when i called in XXXX I was lied to. It was not till XXXX that a rep finally told me what the real story was.they didn't for months. Which is very odd!!! But they cant seem to get someone from Corporate on the phone. The supervisors are no better then the reps. I wouldn't be surprised if it is the reps playing like their supervisors. Because I got the same dame repeated message from the one supervisor that they finally got on the line today XX/XX/XXXX, after for over 3 months for a call back. I just want real answers and to not to be lied and XXXX XXXX around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a car from XXXX XXXX in XXXX for {$9500.00} dollars with {$400.00} down at 14 % interest rate. My account isn't moving. To date I've paid {$11.00}, XXXX and they are saying that I have an additional {$8400.00} left on this car. They have not provided me with an explanation of why this car which should only be {$13000.00} and some change. Is now {$20.00}, XXXX dollars. This is highway robbery. They are saying that the cost is {$3.00} everyday for the life of the loan. But even that does not make it {$20000.00} plus for this car. I need to be refunded and they can have this car back. Am I able to sue them?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66048
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries from ALLY FINANCIAL ( XX/XX/2020 ), XXXX/XXXX ( XX/XX/2020 ), & XXXX XXXX XXXX ( XX/XX/2020 ) that I do not recognize nor did I authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial, with whom I have an auto account, has not reported payment history or account updates to the three credit bureaus in 6 months. My last reported date is XX/XX/XXXX. The amount owed on my credit report is false, I am current on all payments - yet the status of my account is 30 days late. I have spoken with them twice to try to reach a resolution to no avail. I noticed the dependency after trying to apply for a home loan. Upon contacting them, learned that this issue stemmed from something that happened in XX/XX/XXXX/XX/XX/XXXX and they were " actively '' fixing it. They assured me it would be taken care of within 3-5 business days and would be updated immediately. Two weeks later, I contact them again after noticing there have been no updates to my account. I was then told the process would take more than 45 days. When asked why was I not notified of the issue or the changes that occurred with their system, I was told they did not anticipate it taking this long which is why consumers were not notified of the issues they were experiencing. This callous disregard of my account, it's negative effect on my life and the way it has been handled is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
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: I have tried on 3 separate occasions to have Ally Financial XXXX report the correct information to the credit bureaus regarding having the correct balance reflected as well as being current in my payments. Every time I have called, I have spoken to someone in the XXXX and each time I've tried to resolve my issues, they apologize, put me on hold and tell me the same things every time. " We will submit an email regarding the information you requested. It can take up to 45 days. '' It's been about 2 months now and there has been no updates on any of my requests, no changes in the credit bureaus, I haven't been contacted by anyone from Ally, and what's most disturbing, is that when I asked the very first person to please report to the credit bureaus my current information, she had to put me on hold and ask someone if they do that!!! Today, I immediately asked to speak to someone in the United States. She said okay and to wait while she tried to connect me to someone. After about 3 minutes, she came back on the phone and said that " unfortunately, they are closed '' today is Wednesday. The time in my state at the time I requested to speak to someone here in the United States, was around XXXX XXXX central time! It's not a holiday and no banks or most businesses are EVER closed during these ( particular ) times in the US!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 542XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My father received a call from XXXX XXXX XXXX ( XXXX ) asking to speak to me. The representative from XXXX told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!. Anyways, I called XXXX and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, Ally and XXXX contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give XXXX or ALLY the consent to contact any lawyer at this present time. Also, you will see in the letter that XXXX insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I asked for ninety day extension they gave me thirty days which only turned out to be two or three weeks. Then they charged me again and started to call me two to three times a day I have been out of work for two months or more now their calling my mother 's number and other numbers I'm not associated with I have a XXXX XXXX and I can't take this XXXX with them no more I know I'm backed up on the bill but this is ridiculous and I never gave them other numbers I'm angry and hurt by them they are Ally auto financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A