Date Received: 2020-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made my XX/XX/XXXX payment to XXXX in XXXX and then receive a servicing transfer letter dated XX/XX/20 stating that XXXX will no longer be accepting my payments and to make payments to Ally. My concern is two fold, my XXXX payment was made prior to XXXX and XXXX, I understand the servicing transfer letter is to be issued 60 days before transferring to new lender, not 10 days after payment is due. They say I'm late and I actually pay early. Is Ally exempt from this law? What can be done to prevent this to others going forward?
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The company, Ally Auto, locked me out of my online access and they force users like me to call a number to get a password reset. I have been calling for a few months and their operator always states that they can not assist with a password reset because the system is down. It is always down and they say call back. Since I am locked out I have been forced to use a third party payment system that charges a convenience fee that zi could avoid if I could have access to my account. I have also been unable to see if those 3red party payments have actually posted to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was financing a 2015 XXXX XXXX through it was totaled out my insurance paid XXXX on it my gap insurance didnt pay the rest due to it being wrote up in the wrong person name it has lowered my credit score tremendously
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35404
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have two issues with ALLY bank. They denied two transfers that I requested from my brokerage account. The first transfer was from an automated portfolio. I attempted to contact them about it and they said that they denied the transfer because the funds hadn't settled. Unfortunately, I am unable to place trades in the account because it is a managed portfolio, so if they deny my ability to withdraw funds that aren't settled then it would be impossible to withdraw the funds. They need to liquidate the account and then transfer the funds after 2 days. Denying the liquidation gives me no options. Next, they denied my ability to remove XXXX dollars from another account of mine. They stated it was because the funds are not settled, but the issue I am having is that their web interface explicitly stated that the funds were available for withdrawal on the day that the transaction was denied. I attached the screenshots to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Auto Financial is reporting a 30 late payment history on credit report with all 3 bureaus. It has reported previously XX/XX/2019 then changed to XX/XX/2019. In addition to that, they have listed incorrect payment dates. I have attempted to resolve by both phone and mail with the company. I spoke with a customer service reps between XX/XX/XXXX-XX/XX/XXXX and was informed that they could only " go back 3 months, they would submit the review request but would be unable to verify anything being it had been over 3 months since it had been reported ''. They then sent a letter saying upon their " investigation '' it was correct but then coindentally there was a change on my credit reports of the 30 day late payment from XX/XX/2019 to XX/XX/2019. I have been trying to resolve the matter and get my credit report corrected for this account but this company refuses to do so. I submitted in writing as well and provided documentation to them of payment confirmations of original payment date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. UCC 9.506 and the RISA and MVISA statutes were violated here. Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. I stated and showed that I paid the final payment of my lease on XX/XX/XXXX. The lease was paid in full. Ally has failed to show any evidence to the contrary. In addition, they stated they made a charge of in the amount of {$3400.00} yet the lease was finished and the vehicle returned. This is completely incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Ally told us they needed just 30 days to close on a mortgage, and we applied with nearly 2 months notice. They gave us over 50 online tasks with not a single phone call or communication other than automated emails to go to their portal and complete. We did this as instructed. Despite our prompt responses, they continued to ask for duplicate documents and irrelevant information. Our final approval was supposed to be nearly a week before closing ; it is now Saturday night before our Monday closing and they are still asking us for documents. They are also providing inaccurate financial information and waiting until the last possible minute for multiple requests, which has now put our closing date in jeopardy. The absolute worst and most impotent mortgage experience I have ever witnessed. A delayed closing will not cost us forfeited moving deposits, an entire extra month of rent at our apartment which the lease is due to expire on ... .buyer beware with Ally. Minimal communication and incompetent underwriters. BUYER BEWARE - they are not worth the additional $ XXXX in closing cost credits that was the reason we chose them.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A