Date Received: 2020-04-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a car loan with Ally Finacial and the total amounts on my credit report dont match. My loan is paid down to XXXX.. Just recently my insurance company paid {$12000.00}. That amount was paid on XX/XX/2020. Ally financial is the worst company to have a loan with. Getting anything done with them takes months. I had tried for several months to give then my insurance auto theft information and every time I called they took the info and everytime I called back they had no history of any information given to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before. I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.
Company Response:
State: NJ
Zip: 08876
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company. I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally direct has been a nightmare. Two issues. First, they lost a payment I made. I said all documentation and this was never corrected. Customer service representatives were belligerent and completely unhelpful. Second, when they received the payoff from the automotive dealer when I traded in my car, they took forever to post payment and then did not back date it to the correct date. This has caused my account to report 30 days late, dropping my credit score over 65 points. I have not had a payment 30 days late and over 10 years. I believe Ally Direct 's systemic negligence and complete lack of care for consumers cause this problem. I have many recorded phone calls supporting my position. It is frankly, for a lack of a better word, mind-blowing! I demand that my account be corrected immediately and that immediate updated reporting the made to all major credit bureaus reflecting this account was never 30 days late. Everybody threatened legal action. I am not making such a threat. I am making such a promise if this is not rectified immediately. Once this has been corrected and Ally direct has issued a written apology, I will consider this matter closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally Financial bank finish with their investigation and send me an attachted document. HOW EVER, Ally Financial bank once again fail to provide me THE SIGNED CONTRACT DOCUMENT BETWEEN MY PERSON AND ALLY FINANCIAL, WHERE IS THE CONTRACT WITH MY SIGNATURE AND AN ALLY FINANCIAL REPRESENTATIVE SIGNATURE??? ALSO FAIL TO SEND ME THE SIGNED CONTRACT BETWEEN ALLY FINANCIAL AND XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have submitted multiple complaints and Im not giving up. I was defrauded by both ally and XXXX XXXX. The person that has been reviewing my complaint at ally isnt investigating the complaint as she should be fired. I have attached my contract and when you even add the numbers an extra {$400.00} was added. I have discussed this extra {$400.00} multiple times and they didnt care. This act is illegal in the truth and lending act and grounds for a contract to be terminated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2019 Ally FINCL put a late payment of 60 days on my account. This was an auto bill pay issue and the bank recognized it on their end but failed to update my account back 100 % payment history. This also popped up on 2 other credit bureaus and has greatly lowered my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, ALLY FINANCIAL XXXX is incorrectly reported. XXXX/XXXX XXXX is incorrectly reported. XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: GMAC appeared on my credit report and I have no clue who they are. I XXXX them and it states that they are a auto finance company and I never had a loan with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally financial has failed to report any information in regards to my payment status since XX/XX/2019. I was in a car accident on XX/XX/XXXX, totaling out my car and my insurance company paid the full remaining balance until XX/XX/XXXX. On XX/XX/XXXX, I called to get an update as their website stated that the payment was still showing as processing, and the representative stated that they received full payment and are waiting for the mvd to release my title but my credit report will update in the beginning of XXXX, showing as paid. I called again on XX/XX/XXXX and was told by the representative that on XX/XX/XXXX, The representative put in a request for my credit status update to be reviewed and it will take an additional 30-45 business days to update. The call was then escalated and a supervisor stated he put in an email to have this information expedited and should hear something within a few days. Today, XX/XX/XXXX, I noticed that my account has been closed and I called to get an update to verify when my account will reflect accurately on my credit report and was told that from the call on XX/XX/XXXX it would take 30-45 business days. I then escalate the call 3 more times and get another supervisor who states they will email and call me back. I have been with this auto company for almost 5 years and have maintained my auto loan until it was paid in full in XXXX. Ally has not updated their credit reporting information for my account since XX/XX/2019 ( showing delinquent ) which is currently preventing me from getting a new vehicle. I have called multiple times due to this inaccuracy putting a damper on my ability to move forward and get a new vehicle and am requesting assistance for them to update their information accurately so that I may move forward.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A