Date Received: 2019-11-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am dealing with Ally Finance and lost my job over a year ago Im trying to keep up on my payments because I need the vehicle to get to interviews. My car payment is {$690.00} per month and Im behind in my payments. Im also being changed 9 % interest each day I would like to report this as fraud 9 % interest per day unbelievable and fraudulent. Is there something I can do to have lower interest rate. They are threatening to come get the car. They are mailing me a copy of my contact and today was the 2nd request. I first requested a copy 3 weeks ago. I will send you a copy when I receive it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I never paid my monthly payment late in XXXX or XXXX I was never told that I was late no notices. Or even a phone call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. These inquires have dropped my credit score by 100 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number. I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Bank corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against Ally Bank and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the Ally Bank 's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. Below I enclosed the reporting from my XXXX Credit report and as you can see, Ally first removed the late payments then slapped them back onto my account. I am trying to buy a home and Ally 's action demonstrates their conduct for which I seek damages. t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current
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: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: the following hard inquiries are fraudulent.ally, XXXX, 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: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed Ally Financial about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A