Date Received: 2019-11-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/19 Requested Ally Bank the owner of my personal CD of {$120000.00} to be cashed and transferred to my bank account. As of XX/XX/19 XXXX my funds have not been transferred. I have called the bank at least once every day and talked to supervisors who just tell me to wait and give me no firm date or explanation of why my funds have not been transferred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/18 and XX/XX/18 Ally made two separate fraudulent hard inquiries to my XXXX report. XXXX has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching Ally by phone.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Ally Bank unable to open the bank account due to the ( 1 ) unable to verify identity and ( 2 ) negative information as reported
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: New car loan acct # XXXX purchase date XX/XX/XXXX. XX/XX/XXXX due date change requested at dealer and prior to 1st payment due with Ally Financial who tried to charge me for a date change. I requested prior to 1st payment due asked for the charge to be waived and due date changed. Escalated with Ally Financial they approved the date change noted my account. They didnt adhere and allowed my account to go into collections, added late fees and began harassing collection calls. Made repeated request to correct my XXXX I asked for my account to again be corrected Ally financial refused until I made a payment. Strong arming me. Payment made. Account still not corrected. No company should charge a customer to change an initial due date, strong arm a customer with intimidation by refusing to correct a problem unless payment is made. Due date change approved the XXXX week of XXXX by Ally financial. My account was mishandled. I'm having problems getting resolution. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to Ally Bank an online bank that went to XXXX XXXX e located in XXXX XXXX CA. XXXX stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
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: In XXXX I purchased a XXXX XXXX XXXX. It was financed through GMAC. I paid off the truck in XXXX. I never received a title. I am now trying to sell the vehicle 12 years after I paid it off. I tried to obtain a replacement title and was told I couldnt because I owed XXXX $ on the truck according to Ally auto. Ally auto purchased GMAC from my understanding. I have not once heard anything about owing anything until I tried to obtain a replacement title. I have spoken with a lawyer and filled out a petition to file with the courts. He told me that in Texas the statue of limitations is 4 years or 10 depending on the situation. It has been 12 years since I talked to any finance company about my XXXX XXXX. I would rather not have to go to court and waste everyones time. They should just mail me the title or release the lien. Also, I feel they should be obligated to follow the laws in Texas. Now they are trying to say its even more money they want before they will release the title. This is against the law I would presume because it has been over 12 years since the truck was paid in full to GMAC. I believe something may have gotten mixed up in paperwork years ago but it till doesnt explain why I have never been contacted about it if I owed any money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Auto will not give me credit for a {$200.00} payment I made XX/XX/2019 for my XXXX XXXX XXXX ( lease ). Their stance is, the request for payment got returned due to insufficient funds. That statement is a true statement ; however, on the same day, XX/XX/2019, my credit union, XXXX XXXX XXXX XXXX paid them {$200.00} out my account for a scheduled online payment. This was the first of two transactions Ally Auto made on my account that day. My credit union has validated that there were two transactions made by Ally Auto on XX/XX/2019. One was successful, and one was not. I did not schedule for another transaction. That is why the second transaction did not go through. I have attached my bank statements that will reflect the two transactions. Again, one was a pay-out of {$200.00} and the other request was returned due to insufficient funds, which I was charged a {$31.00} overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Ally Auto Financing has had a repossession agent by the name of XXXX XXXX, call people from my social media accounts. XXXX XXXX called me through XXXX to tell me, XXXX XXXX, and a few others. XXXX acted as if she was a family member looking for me and was concerned. Others have said she told them I owed a debt and it was in serious stages of collections. WOW! These people were not listed on my reference sheet nor are they friends close enough to me to know my private business. I know that they have been calling these people from my social media accounts since I made the last payment, which is behind due to the XXXX XXXX which caused a loss of wages. My significant other and I have been in contact with other agents from the same department, excessively. However, XXXX XXXX, a new agent obviously, says she could not get us on the phone. This is a misunderstanding. We talk to everyone from Ally. Why she was unsuccessful is beyond me. She has brought embarrassment to me and has violated my privacy act. The Fair Credit Reporting Acts under articles within the 600 codes prevent any debt collector from privacy violations that were not approved by me with my original signature during the initiation period of the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Ally Bank turn down my request for a car loan due to misinformation. My Credit Score is XXXX at XXXX. Ally Bank said they tried to get my credit score and was unable too. I called XXXX to see if there was a freeze on my credit report they said Ally Bank never contacted them. Instead Ally Bank contacted XXXX XXXX and the reported misinformation about my credit score at XXXX. Thereby causing me not to get the loan. My Credit Score is XXXX not XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A