Date Received: 2019-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid XX/XX/2017, we have been paying the account outright.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My truck was repossessed. Ally took my {$2800.00} redemption money to get it back, I went to the impound lot in XXXX XXXX, AR to pick it up and it was gone! I called Ally and was only able to speak with foreigners who told me they had it picked up and sent to auction by MISTAKE anyway. " A series of unfortunate events ''. All they did at that time was give me phone numbers to different auctions in OK, TX and TN to try to locate the vehicle MYSELF and be expected to go out of state to get it MYSELF and only told they could send me an email complaint form. I called EVERYDAY with no result. My girlfriend who has worked at a car dealership for 13 years even exhausted all her contacts at Ally, still with no help or result, we posted on XXXX and received replies but no result, only messages to call the same phone number or that they had our information already. We even found the names of high ranking people at Ally, I emailed the CEO of the company and got no response. For 16 days they didn't know where the vehicle was and getting XXXX help from them or the company who wrongfully picked the vehicle up without notice when payments were current. I definitely was not ever provided notice of the car being sent to auction, which is a state law violation I believe. I eventually located the vehicle myself with the help of an XXXX from XXXX of the auctions I contacted. Turns out the truck was sent to a different online auction than the phone numbers I was given. I then took time off work and spent my own money to go to XXXX, TN only to get there 10 minutes too late & have to miss work again the next day and spend more of my own money to go back to get it again. The truck was missing and gone for 17 days from the time Ally took my {$2800.00} redemption money. I had no ride to work and had to pay people to bring me to and from work each day. I was loaned the money from my job so it also made me look like a real jerk at work after asking for the money from my job to get my truck back, then continuing to show up there for more than 2 weeks with no truck. The transport company who picked up the truck from the impound lot were rude and unhelpful as well in trying to locate it. In the 17 days that my truck was gone, Ally took my money and wrongfully took my vehicle at NO time did ANY ONE EVER offer me a rental car or offer to credit my account for services not rendered. Only a couple of people I talked to even seemed sorry about it, but sorry or not NOTHING was done about it! Seeking monetary compensation and will be forced to get an attorney if this isn't rightly settled. My credit report also shows the repossession, my friend also missed more than 1 day of work to drive me to XXXX to get the vehicle, my girlfriend & I have spent a considerable amount of time in trying to deal with this problem & research what to do about it. I was told by the auction when I went to pick the vehicle up that " this happens all the time '' and that " if I had not gotten there that day to pick it up it would have been sold. '' The Arkansas LAW contract states that they can resell it if it's repossessed but I get the feeling that maybe that's what they had hoped would happen ; withhold the location of it long enough for it to be sold then charge me for the contract balance anyway. Please help. It's been a bad ordeal for myself, it isn't right and we want justice. Thanks so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: hi this is the unsolved follow up claim related to closed claim no # XXXX. Ally bank claimed that they mailed the check of {$10000.00} to XXXX on XX/XX/2019. Before they mailed the check, I called ALLY customer rep-XXXX XXXX multiple times to ask her to provide me the tracking number and also WHO she connected in XXXX that has aware of the check. but they only told me tracking number. They gave a call on XX/XX/XXXX after the check was delivered two days after. I called XXXX customer service, they told me the credit card depart received the mail, but as my account in XXXX of XXXX was already closed, and they can not allocate the check. so they sent a check back to ALLY bank on XX/XX/XXXX. I called XXXX XXXX several times to ask her to stop the payment and issue me a check directly or at least write the check to specific name and location of XXXX who can receive, otherwise XXXX will always returned the check, they will not give my money back. but like the previous, no one connect with me again regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My vehicle was repossessed and I called immediately to ask why as I had a payment plan in place. They said it did not matter and the repo was valid. I paid the past due amount via XXXX XXXX and rented a trailer to pick the vehicle up only to be told by the storage facility that the vehicle had been sent to auction because ally failed to send a redemption notice. Now Im being told by the auction that they do not have the release and they close in 30 min ( XXXX ). So on the phone again with ally who says they did not show it was moved in their system. Now Ive paid for my car but can not get it until Monday even though it was never supposed to be picked up in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Vehicle was totaled out XX/XX/XXXX. Ally financial received all but about {$3000.00}. We had gap insurance and had followed up with the Ally several times as the credit reporting still reflected a balance owed. After calling the company several times in a 6 month period I was told that we had some payments deferred due to a death in the family so the gap insurance would not pay. I did not get this information from them until the end of XX/XX/XXXX. Ally told me at that time that XXXX, XXXX and XXXX payments were delinquent. Interesting that they didnt charge any payments from XX/XX/XXXX until XX/XX/XXXX. It is extremely hard to get anyone in that organization not help you. I am concerned that there was no disclosure provided that advised that the gap insurance would not cover at the time we had the payments deferred. Now I owe a balance of {$2400.00} to pay off the loan and they hit my credit report with 90 day late payments. Their customer service agents are no help and we are unable to make online payments as the account cant be found. I advised them that we had to replace the vehicle but could not afford to make a {$410.00} payment but they are unwilling to work with me. They just keep dropping my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Ally Financial received a payoff for a totaled vehicle in the amount of {$16000.00} on Monday XX/XX/2019 at XXXX XXXX. Signed for by XXXX I have repeatedly called and for some reason they will not mark the loan paid, they are telling me something along the lines of this process takes 7 days. This is ridiculous, they have their funds, they need to release the loan, so I may apply for a new loan and go buy a new car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX Truck, VIN XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX. I also purchased GAP for {$890.00} and the extended warranty for {$2800.00} as offered to me by XXXX XXXX ; both through XXXX. The payoff amount for the XXXX XXXX was {$5300.00} to XXXX. XXXX XXXX offered financing through Ally Financial. I accepted this offer. My Ally Financial loan number is XXXX To date, XXXX XXXX has not paid off my trade in ; nor has XXXX received payment for my GAP or the extended warranty. Because I value my good credit, I am continuing to make payments to both XXXX and Ally Financial. I have attempted to get this resolved with XXXX XXXX XXXX XXXX XXXX on many occasions and the General Manager, XXXX XXXX, continues to give me the run around. I have also spoken to Ally on numerous occasions and they claim there is nothing they can do for me. After researching this dealership ( owned by XXXX XXXX XXXX XXXX ) and its relationship with Ally Financial, Ally Financial is knowingly and maliciously financing XXXX 's scam of not paying off trade-ins and not paying the GAP companies. I have attached all of my documentation, news stories of the scam as well as a pending lawsuit involving this exact same situation and as Ally Financial as a defendant. This scam has been going on for several months and Ally was fully aware. I am needing resolution to this situation ASAP and no one is helping me. Ally Financial XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, General Manager XXXX XXXX XXXX XXXX, scammer XXXX XXXX XXXX XXXX XXXX, XXXX owner, scammer XXXX
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: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 382XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A