Date Received: 2020-06-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I was into a car accident back on XX/XX/2020. My finance company Ally Financial was paid by my insurance company and the gap company. On XX/XX/XXXX of 2020 I spoke to a agent at Ally Financial stating that once the gap payment was received they would XXXX out the remaining balance, I asked the individual multiple times during this recorded conversation if he could guarantee me this, he stated yes and that I would be able to receive a paid in full letter by the end of the week. On XX/XX/XXXX I called in being there was still reflecting a balance on the account even though the Gap claims payment was applied. I made a complaint with the escalations department and was told they needed to look into the matter and needed two days. On XX/XX/XXXX of 2020 I received a call from Ally 's escalation department and was told it will take them two days to get the call to be able to review this. Today is XX/XX/2020 and I called Ally to follow up on the matter for the complaint that I made about being told the balance would be XXXX out. I am being told there is a remaining balance of {$650.00} and some change. Ally records all of there calls so there is a recording backing my conversation that took place on XX/XX/XXXX of 2020. I called Ally Financial at XXXX from phone number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
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: My car was purchased the week of XX/XX/XXXX from my daughter. I don't have dates but there are so many, at least 2-3 times per week starting in XXXX that I have call Ally Financial asking about the lien release and my refund coming to me. They would transfer me and I'd end up in the same department. Finally on XX/XX/XXXX I sent a complaint to the XXXX. At which time I did receive a phone call a few days later. The rep commented ... well this is cut and dry. All you need is the lien release and your refund. I said correct. She said she waiting to hear back from the departments that handle these and I should see both very soon. It's been a month later. I did file another complaint with the XXXX but they are considering it a duplicate. It's been 3 mo. We want to transfer the title to my daughter 's name ... the bank is waiting for it ... but can't without the lien release. I refuse to call AGAIN. I just want my refund and lien release. I don't understand the issue. COVID?? Yes at the beginning but not this is a little bit beyond that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2015 XXXX XXXX XXXX XXXX, This account was open without my knowledge.I have requested proper validation in regards to this account. This account was reporting blank information. Once i disputed this account it is now reporting. Information that isnt mines and incorrect. my first attemp to contact this company. They offered to remove this information but brought it back with information.Account information is missing inorder to dispute fully
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. Ally is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. On XX/XX/2019 I entered into contractual agreement with Ally to extend all past due payments for 2 months from the date of XX/XX/2019 forward. The Ally manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. For 6 months Ally has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of Ally. Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.
Company Response:
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on my payment history from your company I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: We have brought our account current after a few months of late due to loss of employment and then a XXXX diagnosis. the account has not been updated with the bureaus since XX/XX/XXXX. We were told they began using a new computer system and that is the reason for delay. The information on my husbands account does not reflect the same as my account on the bureaus. After speaking with the escalation team XXXX ( manager ) in XX/XX/XXXX, he confirmed the account was in fact reported incorrectly and that they would need 30 days to update. It has been 180 Days since any reporting to the bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
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 PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND XXXX IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75901
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial- I have been with Ally Financial For 4 years now, I have sent a late payment goodwill email, as well as several dispute letters explaining that I had fell into financial hardships and most recently was severally injured at work causing two of my fingers to be partially amputated, and due to the injuries I was subsequently terminated from my job, which has added on to making late payments on time. Due to the injuries and loss of employment I occurred 12 late payments, I managed to make all of my payments and even most recently paid the car loan off in full. Ally refuses to delete late payments and note my account paid in full never late. These late payments are hurting my credit and a chance to purchase a home in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from ALLY FINANCIAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A