Date Received: 2019-10-17
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open. I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter. Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail. I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
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: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ALLY FINANCIAL {$8700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Due to being laid off XX/XX/XXXX of 2018, i was living off a fixed income and scrambling to look for work. A job i was offered in XXXX was cancelled due to the government shutdown and by XXXX i was looking for relief and waiting on unemployment. I spoke to Ally financial about my circumstances and voluntarily returned the work vehicle i also had financed with Ally financial to alleviate some of it. I notified them of my intent to keep my XXXX XXXX XXXX financed with them, as it was my daily driver. After falling behind, i attempted to cobble together enough to refinance my loan with a credit union but was denied due to layoff and no co-signer. Ally Financial offered no payment reduction option, no relief for someone effected by the government shutdown, and no aide to a veteran on a now fixed income after layoff and collecting unemployment. They took my vehicle first on XX/XX/XXXX and i willingly paid the tow fee and didnt notice what the tow company employees had stolen from the truck right away in the first instance ( a multi tool, pocket knife, first aid kit, work radio ) A police report was filed. They gave me a penalty interest rate of 9 % and demanded payment in full for my outstanding balance of {$20000.00}, as they were responding to my stating i was looking to refinance. I could not attain on a loan on my own short notice and with no family able to help. I found a pair of part time jobs, made a few payments as i could, and made a payment arrangement for the outstanding balance in full on Friday XX/XX/XXXX. The night of Thursday XX/XX/XXXX my vehicle was repossessed at XXXX with my work tools, a book bag with textbooks, and my passport. My vehicle was taken from my girlfriends apartment near my job in to another state the day before they could count me current. They still took their payment. Many items in my vehicle were missing when i was able to track my vehicle down to the same towing company an hour outside of XXXX in XXXX New Jersey. I remanded the vehicle and retrieved was was left of my possessions minus my passport which was missing. The vehicle was subsequently sold at auction for exactly {$7000.00} leaving me with a balance of {$13000.00} which has already been sold to XXXX for collections in less than 3 months. The exact same vehicle with the same number of miles still regularly sells for over {$20000.00} at dozens of dealers and in private sale everywhere within my tristate area. They failed their customer, took a big chunk of the money i had set to pay them in their towing and losses to tow company thefts with no apology or correction, failed to sell for a fair market value by accepting less than 33 % of the true value of a vehicle renowned for its resale, failed to communicate with me anything in writing though i requested it from every caller and receive all other mail without issue, had different people called incessantly with no regard to my work or school hours, and have now saddled me with a debt that essentially leaves me facing bankruptcy though I paid for 2+ years without issue and am now stuck renting instead of owning a home i was working towards. They never even told me my vehicle would be up for auction or I would have purchased it back for the same $ 7k. Please help. My situation feels discriminatory as Im XXXX and a XXXX veteran. How can I protect others from towing company repossession abuse and Ally financials usury of working class people?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
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 disputed an account with Ally Financial previously which was investigated by Ally Financial. Ally Financial DELETED the account on the XXXX credit report and the XXXX credit report but DID NOT DELETE the account from the XXXX credit report. I again disputed the account with Ally Financial to delete the account from my XXXX credit report but they just verified the account even though Ally Financial deleted the account from the other two credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A