Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of 2018 I paid off an auto loan with Ally financial. I called and received emails for the payoff amount two weeks and up to the day I paid them them the balance. I received the title and a check for the overpaid amount. In XXXX they reported me 30 days late and continued to report this. Ive called them several times and the issue has not been resolved. Ive hired XXXX XXXX to resolve the issue and have lost an additional XXXX $ to them. How can I resolve this issue?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My husband lost his job and i contacted Ally Financial to possibly extend late payments to the end of the loan. I was told i did not qualify. I received a Notice of Default and right to cure loan letter i made one monthly payment as well as the late fees totaling {$700.00} on XX/XX/XXXX. I was still 2 months behind coming up on 3. I have since made arrangements with other creditors who were more than willing to work with me including entering a modification with my mortgage. I am struggling due to a temporary financial hardship and the only creditor that is not willing to work with me is Ally Financial? I obtained the loan back in XX/XX/XXXX and i am looking to keep the vehicle and i am trying to avoid filing bankruptcy. My husband has since gotten a new job and we are making an effort to get caught up, However we are unable to come up with 3 payments. Past due balance as of this complaint is {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I refinance my auto loan with XXXX XXXX in XXXX. Ally Financial whom was the original lender sent a letter dated XX/XX/2019 stating my loan had been paid off and my gap warranty was cancelled and i should receive a refund within 60 days. I called Ally Financial in XXXX around the XXXX and inquired on the refund and they stated that they needed to research and would call me back. The following day i received a call from Ally and the agent stated that they had contacted the dealership ( XXXX XXXX ) and were advised that the warranty had been canceled and i had already been reimbursed and I should contact the dealership directly. I told the agent I never received anything and if I had I would not be calling. I emailed XXXX XXXX who handles warranty cancellations for XXXX XXXX and explained the situation and attached a copy of the letter I received from Ally for her review. XXXX responded right away and stated she would forward the email to the Warranty cancellation clerk. On XX/XX/XXXX I emailed XXXX and inquired if she had any updates and she responded and stated she would follow up with the accountant and would get back with me in a few days. I never hear back from her. I followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I followed up once more and stated I would be filing a complaint with the CFPB if I did not hear back. It is already XX/XX/XXXX I have not received a response nor a check for the gap cancellation. I don't know what else to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX my husbands card was declined while trying to make a purchase. We contacted ally and they wanted to verify a transaction that was done around XX/XX/XXXX. We confirmed it was our charge and they fixed the error. On XX/XX/XXXX, my husband went to make a purchase and was declined again. He tried to access the mobile app to see what was going on and was denied access. We called customer service and they stated they could not tell us why as it had been assigned to special agent customer service and they could only contact us is 1-2 business days. We informed them this was unacceptable as we had plans for the weekend and needed access to our accounts. They refused to help stating they did not have access to what was going on with out account. There is plenty of money in our account, we were not notified they were restricting access and now we have to cancel our plans for the weekend because of some unknown error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 174XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A