Date Received: 2020-01-23
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: This is emails in which I have submitted to Ally over the course of time since receiving the first letter about a late fee. Re : Late Fee CASE : # XXXX To Ally Auto XX/XX/XXXX Again this has been going on for several months now it is under the name of XXXX XXXX and XXXX XXXX XXXX Account number of XXXX I am uncomfortable with putting the vehicle Identification number on here which you should already have from this account number. I have since spoken with a XXXX who states he is a floor supervisor and XXXX XXXX in XXXX XXXX on XX/XX/XXXX at XXXX XXXX. XXXX refused to give me any corporate information he stated he had to send it up to the next chain of command and that he could not give me Corporate information until it went there. XXXX had me on hold for 27 minutes as he stated he needed to read the notes I asked him if he could contact XXXX in XXXX XXXX with the ID no # XXXX to let me know where the secure email he was to send to me stating this account was paid in full. XXXX stated to me he was not going to contact XXXX but I could I said if I knew how to get in touch with someone that worked for them trust I would. I further explain that I was at work at the Department of Justice when i received that call and if need be I have a witness to the phone call as it was on speaker and they would be willing to sign a affidavit to the information of this account being paid in full and that a secure email would be sent. XXXX said he would speak with his supervisor and give me a call back that has yet to happen as it is now XXXX XXXX on XX/XX/XXXX. From Ally Auto XX/XX/XXXX Hello, We received your request for account information. We're unable to complete the request at this time because we can't locate an auto account in your name. Please reply to this message with either the full 12-digit account number or the complete 17-digit Vehicle Identification Number ( VIN ) of the vehicle. Sincerely, Ally If you submitted more than one request, you may receive additional responses in a separate message. To Ally Auto XX/XX/XXXX Hello, Hello yet again I sent this message originally back in XXXX with no repose : and now in XXXX with the same generic message to call your office in which I have done numerous times I called on XX/XX/XXXX @ XXXX XXXX eastern time and was told someone would call me back here it is XX/XX/XXXX @ XXXX XXXX Eastern time and no phone call as of yet!!!! I spoke with a Customer service representative on XX/XX/XXXX @ XXXX XXXX by the name of XXXX he stated he was in XXXX XXXX and his ID number was XXXX. he indicated he was sending me a secure email stating that the amount of {$1000.00} WAS PAID IN FULL. I have yet to receive that secure email and I spoke with a representative who indicated he was a supervisor stated that I made no such call that the only call you guys had was me speaking with XXXX on XX/XX/XXXX at XXXX XXXX where in he offered {$34.00} dollars off what is showing to be late fees. Which is why I called back on XX/XX/XXXX because I was told that is not right and that is when i was told by XXXX it was paid in FULL. I have a recording of that actual call if needed because I still as of yet to receive said email reflecting said conversation that Ally system showed it paid in FULL. I can be reached at ( XXXX ) XXXX anytime after XXXX Monday thru Friday and anytime on Saturday.Thanks in advance and expect a response ASAP and not an email saying to call you guys because I have already done that numerous times to try and resolve this matter. I am again reaching out to you guys in regards to this matter as I spoke with a representative by the name of XXXX who hung up on me when I gave him documentation of my call with XXXX stating it was a misquote. It is now XX/XX/XXXX and I have receive not one proper response other than to be hung up on by a representative for asking for who I can send a FOIA request for the actual phone call with XXXX since I was told the call never happened. I would appreciate someone contacting me ASAP in regards to this matter. I received a letter stating I did not contact you guys, but I have constantly contacted you guys in order to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX still reporting on my credit file.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to this company multiple times requesting documentation that proves they had permissible purpose to obtain my credit report. They have not provided any documentation so I am moving to sue this company. As such, I am filing a complaint to add to the documentation to be submitted to the court. I sent my original letter XX/XX/2019 via certified mail. I received a generic answer back explaining that they received an application. I requested proof of the document in question and was provided with no evidence of the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
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: In regards to Complaint ID, XXXX. Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising. In response to your final response Ally sent to me on XX/XX/XXXX. First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact. I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars? Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family. I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Ally Bank - I scheduled a deposit of XXXX from an external credit union to arrive at Ally bank on XXXX The amount should have been XXXX. Due to my mistake in the withdrawal amount, the transfer failed. Ally notified me on XX/XX/. On XXXX, I immediately moved money from another Ally account into the checking account to cover the missing transferred money. I then called Ally to work through correcting this issue. The problem is Ally froze XXXX across 5 accounts making my available balance negative even though I had positive ledger balances in the accounts since I transferred funds immediately to cover the missed deposit. They froze my funds and refused to release the hold until XXXX. I begged, I requested escalation to management and every person refused 100 % to release the holds despite of the fact I had plenty of money in the accounts. I maintain approximately {$20000.00} average across 8 accounts with Ally and Ally shut my account off for 5 days despite having a positive ledger balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This account is in my mother name. I have paid for everthing that has to do with the camper that I live in. I noticed that a payment was not paid. i sent payment on XX/XX/2019 and Ally return the payment back to my bank on XX/XX/2019. On XX/XX/2019 I call to see why they said that i owe {$1700.00}. that by my records I was only missed XXXX payment. they have it in repossession. I told them they refused a payment that means the account is paid in full.the call was recorded on my end
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the XXXX position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. Ally Bank continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, Ally Bank fraudulent reporting and more. Further, why is XXXX XXXX sending a response to my complaint when the XXXX office in XXXXXXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
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: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A