Date Received: 2020-03-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
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 was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. XXXX XXXX No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days 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 check 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: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new vehicle on XX/XX/XXXX and it was financed with Ally Financial. The loan was paid off in full on XX/XX/XXXX which resulted in an over payment of {$950.00}. When I didn't get a check I called on XX/XX/XXXX they told me a check was cut and it would be 7-10 business day to mail. I called again on XX/XX/XXXX as I didn't get the check. Was told it would be overnight to me and I would get it in 1-2 days. Called again on XX/XX/XXXX was told check was not processed yet and another give it another 1 -2 days. Called XX/XX/XXXX was told check was cashed on XXXX, told them not by me and I needed a copy. Was told case was escalated to their executive office and someone would call me on XX/XX/XXXX @ XXXX. I did not receive a call. I called today XX/XX/XXXX and was told to give it 24 -48 hours before I could get any answer and a case # XXXX was given. Each time I called was a minimum of hold time of 45 plus minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: The vehicle has been deemed a total loss and the insurance company has sent them a check to payoff the vehicle. They still have not updated the account and I continue to still pay. I cant get in touch with anyone from the company as to how long it is going to take the check to clear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally Financial bank is reporting on my personal credit report, but this account belong to a Person named XXXX XXXX XXXX. I have a few letters in my file that show that on the XXXX of XX/XX/2018 they sold this account to XXXX XXXX XXXX, but together they sold also all my personal confidential informartion as SSN, phone number, mailing adress etc etc. I contacted Ally and 2 representative told me they couldn't find any account in their file under my name. I have disputed this account true the 3 mayor credit agencies many times but Ally Financial denied to delete this account from my credit report. I have requested in previous ocations to send me the original signed contract of this account and also any document that shows they have the right to sell my personal information. Till this day no response from them. I DISPUTED XXXX AND THEY DELETE THEIR ACCOUND FROM MY CREDIT REPORT
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: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a car loan with Ally Financial. I have been makng the payments on the loan for the past 72 months. I am currently down to 2 more payments left of the loan, in which the monthly payments with Ally Financial are {$400.00} per month. I have on line access to my account with them, so most of my payments are paid thru the website in which I can also review previous payments, information about my vehicle and what is still owed on the vehicle, etc. I called them for a payoff on XX/XX/2020. Their representatives told me that my payoff would be {$3000.00}. My account shows that my total balance due on the loan is {$2100.00}. After being on the phone with 3 different representatives for extended periods of time, I could not get an explanation from any of the reps as to where they are getting their amount of {$3000.00} from. They also tried to tell me that they only received {$100.00} for my XX/XX/2020 payment when in fact it shows on my account that I paid {$300.00} on XX/XX/XXXX and the balance of {$100.00} on XX/XX/2020. I am currently on unemployment and retirement, and they know this. I have struggled in the past to make my payments on time or at least within the 10 day grace period so I have incurred some late fees which I do not have problem paying but they are adding additional fees on my balance to pay this loan off. They are also not adding in payments to my balance owed that have been made to them. I have dealt with this situation on several occasions in the past but just paid what the rep said I owed because I was tired of arguing with them and them taking up hours of my time on the phone. I have supporting documents if needed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Our vehicle lease with Ally Financial was set to expire XX/XX/XXXX. Given the excellent condition of the leased vehicle and its very low mileage, approximately a month prior to the lease end date, we began exploring options beyond just simply turning the vehicle into Ally at the end of its lease. As we learned from prior leased vehicles, our diligent care of the vehicle offered a very good chance that a dealership purchasing that vehicle from Ally would result in additional funds toward a new lease. This was the case for our previous leased vehicles. To this end, in late XX/XX/XXXX, we attempted to login to our Ally account to obtain the payoff amount for our vehicle the amount a dealership would need to send Ally to purchase the car and leave our account free and clear of all obligations. However, when we attempted to login, we learned that access to our account including our monthly statements and our payoff amount was terminated after XX/XX/XXXX, almost one full month before our lease end date of XX/XX/XXXX. This was alarming since we had previously enrolled in paperless statements at Allys encouragement ( this was our first lease with Ally - had we known the online account access would be prematurely cut-off, we would have made different arrangements to preserve our account information ). Because access to our statements and other account information was abruptly terminated before the end of our lease, the only way to obtain a payoff quote was to contact Ally by phone. On XX/XX/XXXX, we called Ally while at XXXX XXXX XXXX in XXXX, Virginia ( this dealership had a new XXXX that we were interested in leasing ). Upon calling Ally, we were told we no longer had access to the account because the lease was ending soon. When we explained the nature of our need to access the account ( to determine how much was needed to buy us free and clear from the current lease ), Ally refused to speak with us, the account holders, and stated they would only have that discussion with a dealership representative. While we found this quite odd, Ally made it clear they would not provide this information in any other way ; as such, we were left with no choice but to trust the dealership representative. This representative, XXXX XXXX, obtained from Ally the payoff amount of {$32000.00}, which he then wrote on the back of his business card. While speaking with Ally, Mr. XXXX confirmed that this amount was inclusive of all taxes and fees that accrued on the vehicle during the lease term, and would leave us free and clear of the existing vehicle and financial obligations to Ally. With a new lease quote from XXXX XXXX XXXX in hand, we located a second vehicle we were interested in closer to our home at XXXX XXXX XXXX XXXX XXXX in XXXX, Virginia. After some back and forth, XXXX XXXX agreed to cover what Ally informed us ( via the previous dealerships representative ) was the full amount we owed to Ally - {$32000.00}. On XX/XX/XXXX, we signed a lease for a new vehicle with XXXX XXXX. As a part of this new lease agreement, XXXX XXXX agreed to purchase our existing vehicle by sending Ally a check for {$32000.00} ( the salesman at XXXX XXXX rounded the payoff amount up to cover any miscellaneous processing fees, etc. that occasionally come up ). We were repeatedly assured by the sales team that the check to purchase the vehicle free and clear would be sent to Ally directly. We left our old vehicle with XXXX XXXX and left with our new leased vehicle, and based on the payoff amount provided by Ally on XX/XX/XXXX with the understanding that our lease with Ally would be completely paid off once it received the {$32000.00} check from XXXX XXXX ( or if anything, we may be owed a small refund ). However, we subsequently received a letter dated XX/XX/XXXX from Ally indicating that the vehicle had been returned to Ally Financial. This letter asked us to confirm the odometer reading of the vehicle at the time it was turned in ( a totally moot and unnecessary request if XXXX XXXX had purchased the vehicle ). Shortly thereafter, we received another letter from Ally dated XX/XX/XXXX, confirming the end of our lease, but alleging that we still owed Ally a balance of {$3300.00}. Per the included Account Settlement from Ally, the majority of the alleged outstanding amount was for Personal Property Tax. As XXXX XXXX had agreed to send Ally a check covering the payoff for the entire amount owed on the vehicle including property taxes we called Ally to clarify the discrepancy and were told by XXXX at Ally that according to Allys records the vehicle had not been paid off, but instead had been turned into Ally and subsequently re-sold. XXXX even provided us with the resale amount of {$32000.00}. In an effort to gather as much information as possible before proceeding, when we then asked for copies of our most recent statements which, as noted above, we were unable to access during the end of our lease. We were told that, because our lease had ended, our account was in collections and we would need to speak with the collections department for this information. Upon being transferred to the collections department, the collections representative denied having access to that information, and would only repeatedly ask when we were going to pay the alleged amount due. Still attempting to resolve this troubling discrepancy with Ally, on XX/XX/XXXX, we again contacted Ally, who again refused to provide us with any prior statements or other account information to support the amount they were now demanding we pay. The only additional information Ally did provide was from XXXX in Allys Personal Property Tax Division, who provided 3 separate statements for the personal property tax that had accrued for the years XXXX, XXXX, and XXXX. The three statements totaled {$3100.00}, an amount inconsistent with the figure provided on the XX/XX/XXXX statement from Ally, which indicated an outstanding property tax amount of {$3200.00}. As Ally refused to provide even basic information to substantiate the additional amount they were demanding we pay, before proceeding further with Ally, we attempted to work with XXXX XXXX to confirm the final disposition of the vehicle in question. Unfortunately, the sales and finance department at XXXX XXXX did not respond to our repeated attempts to contact them for several months. On XX/XX/XXXX, to finally obtain answers from XXXX XXXX, we filed a formal complaint against the dealership with the XXXX County Department of Consumer Services. After being contacted by the XXXX County Department of Consumer Services, on XX/XX/XXXX, XXXX XXXX XXXX provided a copy of a check for {$32000.00} that it sent to Ally on XX/XX/XXXX. It was at this time we realized that, although woefully unresponsive to our inquires, XXXX XXXX did indeed send Ally a check to pay off Ally in full. On XX/XX/XXXX, we were told via the car salesman that Ally insisted on speaking with that the payoff amount for our lease with Ally, inclusive of all taxes, was {$32000.00}. On XX/XX/XXXX, XXXX XXXX XXXX sent a check to Ally in the amount of {$32000.00} which would cover this entire amount. Nevertheless, Ally is now insisting that we still owe thousands of dollars, without so much as providing us any insight into where that amount is coming from. Further, what little information we could obtain from Ally is either inaccurate or flat out wrong. As noted above, Ally provided us with an amount of {$3100.00} in property taxes accrued during the lease. However, Allys letter dated XX/XX/XXXX, indicates an accrued property tax amount of {$3200.00}. Further, and even more befuddling, Ally indicated in XX/XX/XXXX that the vehicle had been turned back into Ally. This is blatantly incorrect as XXXX XXXX XXXX sent Ally a check for {$32000.00} and kept the vehicle. This ordeal with Ally began when Ally denied us access to an account for a vehicle that we were still legally and financially responsible for. Ally then refused to speak with us when we called to ask what the payoff amount for the vehicle would be. Ally would only provide that payoff amount which Ally stated was inclusive of all accrued taxes and fees to a third-party. Ally was sent a check to cover that payoff amount in full. Nevertheless, Ally is now demanding that we pay an additional {$3300.00} while providing virtually no information to substantiate this claim. Equally troubling is that even a brief internet search on Ally Financial reveals that our situation is not unique numerous individuals have filed similar complaints against Ally, which suggests this is a well-established pattern of deceptive business practices, if not completely fraudulent behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time. I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}. On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays. I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My bank, Ally Bank is refusing to respond my many emails, Phone calls and chats about a check for {$86.00} I requested to be issued from my investment account. They jydo not answer me and refuse to mail me my money which they already deducted from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A