Date Received: 2019-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my loan to loanadministration ( https : //ally.loanadministration.com ) on XX/XX/XXXX and they have almost {$11000.00} in the ecrow balance and they are saying it will take a month to get that money back. I wind this completely unacceptable and need to get my money ASAP.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: RE-INSERT THE FOLLOWING ACCOUNTS, XXXX XXXX XXXX ( 2 ACCOUNTS.XXXX/XXXX, ALLY FINANCIAL, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account. On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything. This poor customer service of Ally Bank is totally unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is a complaint against ALLY FINANCE I. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
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: For the past 14 months prior to XX/XX/2019, I consistently paid my Ally auto insurance on time to increase my credit score, usually paying more than the monthly amount. In XX/XX/2019 I thought that my payment had already been made. I didn't realize that the payment didn't go through until I noticed a 30 late mark on my credit score. The balance owed wasn't a full month due to the previous months over payment covering a portion of what was owed for the month. This was exactly 3 days after the 30 day mark. I immediately called Ally and made a payment of {$1000.00} immediately which is over 2 months worth of payments, I also filed a reconsideration request for the 30 day late mark in hopes they would remove this in good faith. In my reconsideration I offered to pay a fee to have this removed or even pay the entire balance off incase this was an incentive to have this removed from my credit. After over a month and several calls with various customer service reps I was finally denied by a customer service rep and still have never been allowed to speak with anyone that makes the decision in this entire process. I was not late due to lack of funds which I can prove with bank statements, it was a simple mistake that I need reviewed as the drop in my score has now made me ineligible to secure a home loan. This lender is notorious for ignoring consumer requests like this and reading on numerous consumer reports, they typically ignore requests unless letters are sent directly to the CEO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score. My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX
Company Response:
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My XXXX XXXX XXXX was totaled, contacted financial company Ally debit was paid by gap insurance and XXXX insurance. Ally is stating I owe a balance of XXXX to them because my loan was not paid due a push back loan arrange nothing was sent in the mail and also the insurance company paid the car off. Ally is stating payment is XXXX. Nothing was sent after full payment was received stating i owe a balance of XXXX after both insurances paid my car off and it was a balance my insurance would have not paid the car off until any owed balances where paid off this not accurate .I 'm disputing this matter this issue has been hindering my credit since 2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An auto loan was fraudulently opened on my behalf. Three months ago, an auto loan was opened by Ally Financial for purchase of a used XXXX XXXX XXXX. The information provided to open the loan was my maiden name and my SSN, but not my address and phone number. No payments were ever made towards the loan, and the loan is negatively affecting my credit score. I was first notified when my current bank alerted me that my credit score dropped significantly over the last week. I have called the originating lender and placed a Fraud Alert at the three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/19 Ally bank closed my account for no reason i have no access to my funds. I was advised that the deciding to close my account due to a dispute for unauthorized charges so there for i believe they are wrong in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A