Date Received: 2019-06-25
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: This incident has been ongoing since XX/XX/XXXX. I currently have a lease with Ally and I have never missed a payment in my entire credit history. When you make payments higher than the amount required for your monthly obligation the extra amount goes into the next month therefore some months you may not have a monthly payment. I was also enrolled in Autopay which automatically withdraws money from my checking account to pay my lease. For some reason the AutoPay was not processed, one would think within the 30 day timeframe Ally would make a valiant effort to reach out to me. As soon as I receive a credit alert I called XX/XX/XXXX and spoke to representative and told him the situation. I have always made on-time payments with all my creditors and never missed a payment which explains why have a 700+ beacon. He stated that he would put a request for a removal and it would take 30 to 45 days I said thank you for looking into my account and submitting this for me. Late XXXX comes around I contact Ally once again to get an update the representative place me on a hold and stated to me that everything was APPROVED and it will normally take 30-45 days to remove from all three of the credit bureaus I said this great. I am in the process of buying a house for my family and this would help because now with this negative record report I am in the low 600s now. I contact today XX/XX/XXXX, now they state to me that it is still in review status. I stated that on my last conversation the representative stated that all I had to do is wait 30-45 days and it will be removed now your telling me that it is being reviewed and letter was just sent on XX/XX/XXXX. I asked representative to speak to the supervisor and I spoke to supervisor and stated the story all over again. She just kept repeating that I can't answer any of your questions a letter has been sent. I am thinking to myself your a manager at large bank and there is no way for you to find an answer in the resolution center if the request for the removal was complete or not complete because I am getting conflicting information based on my last conversation when I contacted. I asked her if you were in the same situation would be really satisfied with " there is a letter in the mail '' when you are talking to a person of authority at a large bank. I asked her if she could talk to the credit department, quality control to replay the conversation with last representative, review the notes on the account, I worked on a XXXX XXXX before and I knew what resources I had when a customer contacted me it just didn't seem like they really cared to find a resolution in the resolution center that was answer a customers simple question. I am just trying to buy a house for my family and this is the only issue that is holding me back. I can pay off the entire balance if wanted to right now but I like building on my credit, establishing long relationships with my creditors by making the payments on time as i always have in the last 15 years I was able to establish credit. I just the derogatory to be removed ; I would like Ally to give resolution center more than a few scripts to read to the customers. I would like to speak to an actual person not a script. At this point you can replace the employees with " XXXX '' if you want robots working for you because really do not value anything with customer service so you might as well cut the payroll and employ " XXXX ' because at least she will find an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a joint savings account with my spouse " XXXX XXXX '' but it was rejected. I was asked to reach out to XXXX XXXX. From them ( XXXX XXXX ) I come to know that there is a balance of {$2400.00} which is not paid by her ( XXXX XXXX ) and that's why the joint savings account can not be opened. But this was already paid ( more than 90 days back ). So why in the world Ally bank is doing all this? I have the entire emails regarding this discussion. All the transactions are also been recorded. It seems that Ally Bank has no idea what they are you doing?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I received a pay statement from ally bank, I went forward and accepted it for value. They continued after by putting a restriction on the account and would only accept certain forms of payments, I sent a letter in to validate the debt. I do believe the account is paid for in advance I asked 10 questions regarding where the money came from and how was it circutrated in my name without my consent. They failed to validate the debt within the time frame given twenty-one ( 21 ) days they also failed to stipulate their claim against me for owing said amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On my XXXX these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My husband soon to be ex husband ran out on my daughter and I leaving behind tons of Bill 's including a truck that he had to have XXXX sign for. He ran out on XXXX XXXX charges and left us assuming with nothing for to many addictions and now I haven't worked in 5 years and I have been searching for a job, but lack of HISTORY skills me. I wanted to trade in for lower he raised it and now is XXXX finance responsible after cheating having another baby and a bunch of other messes he will be having. Like the 2 domestic violence charges he will be facing. what can I do?.?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reached out to Ally 's fraud department on XXXX and spoke with XXXX and XXXX. They tried to say the debt an auto loan from XX/XX/XXXX belonged to me. I asked for pictures, video, and documents showing the account belonged to me. The gentlemen said the information ( proof ) was sent by mail back in XXXX. I have never received anything in the mail. The company has tried to scheme payments through a collection agency as well. I was told to contact XXXX who was not very much help but referred me to this department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally is holding my funds due to a merchant error causing refunded checks. My auto payment will be returned to cause a late payment with my lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a loan with Ally Financial for a XXXX XXXX prior to my divorce in XXXX. The loan was under my name but paid through my ex husband and my business. However, when we filed for divorced, my ex-husband immediately stopped paying the car loan. Although, through court orders the payments were to continue through out businesses, my ex transferred the business to his partners name. The car was ultimately reprocessed and I filed for bankruptcy chapter XXXX, in XXXX. I have completed and complied with all bankruptcy rules and therefore, my attorney had ad used me that Ally Financial Loan falls under the umbrella of bankruptcy and should not appear in any of my credit reports. I am moving forward in my life with a job as a XXXX XXXX earning over {$100000.00} annual salary. I need to to lease a vehicle for the safety of my XXXX minor children and myself, however, the devastation of being denied due to inaccurate information on my credit report creates difficulty for a professional individual earning a decent salary trying to lease a new vehicle. I am hopeful that this discrepancy will be rectified and removed from my credit report. Any concerns or questions or any pertinent additional documentation may be provided at your request. Thank you. Truly, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A