Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Auto loan is due on the XX/XX/XXXX of each month. On XX/XX/2019 I decided to refinance my auto loan. I reach out to my auto lender on XX/XX/2019 to informed them to expected a certified check by USPS. I gave Ally the certified mail receipt tracking number. Ally received the certified check on XX/XX/2019. on XX/XX/2019 I received an alert on my credit file that my auto loan payment was 30 days late. Ally reported this information to the credit bureau agencies on XX/XX/2019. I been in contact with Ally they keep telling me that they will investigate the issue, but there has been no resolution. Make matter worse I just received another alert on my credit file from the credit bureau agencies say my auto loan with Ally is 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500. I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I sent certified mail several qualified written requests for proof of debt as of XX/XX/2019, I have evidence that ALLY BANK is not the owner of the debt. I was ignored, and they did not respond, I then sent a declaration of fraud. The vehicle has since been repossessed on XX/XX/2019 and reported the credit reporting agencies. I am requesting the perfected instrument of debt, that ALLY BANK is the rightful owner of the debt, and I will pay the debt in full. I have not received any official documentation of the sort to date. I have evidence of all the written and final written request and repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/19 via Certified Mail # XXXX XXXX XXXX XXXX XXXX Ally Financial received my letter informing them that I did not authorize a credit inquiry by their company and if I was wrong, to please send me proof of my authorization. On XX/XX/19 I received a letter from Ally Financial without proof of my authorization. I never authorized anyone associated with ALLY FINANCIAL, or XXXX XXXX XXXX, to make a credit inquiry or authorize a credit inquiry on my behalf. Ally Financial fails to provide proof that this inquiry was authorized by me in writing, bearing my signature. Anyone could have stolen my identity and attempted to purchase a vehicle. Therefore, without the requisite proof of authorization, Ally Financial must immediately delete this inquiry. Otherwise, civil action may ensue for violations of the Fair Credit Reporting Act, including but not limited to Section 609, Defamation, and Negligent Enablement of Identity Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I tried to open an online CD account with Ally bank. Ally bank confused my application w/my partner 's account & had some wrong info I assume from a previous application I made a few years back. ( this should not happen/crossing accounts ) Then the " trial deposits '' didn't work, " insufficient funds '' because ALLY was trying to pull money from the wrong account ( 5X ) & I called & called, sent e-mails, posted on their XXXX XXXX page & all they do is say " I'm sorry, please call XXXX-XXXX-XXXX ... it's takes 20 min. to get a person & that person will not tell you how long they have been on the job while they are grilling me on security questions more than 4 ... I find this abusive ( their automated system says 5 min wait, then changes to 5-10 min wait after 5 min, then 10-15 min wait it takes 20 min! ... ..I spoke to 2 or more supervisors who told me mail the check in, I did, but never got a thank you, confirmation or receipt for the money. This has been going on for one month, & Ally bank is still making " trial deposits '' which has cost me over {$100.00} in bank fees for NSF! ... .It is real scary to me that the bank is so poorly administered. There seems to be a real disconnect between on-line banking, over the phone communication and e-mails ... this does not seem safe or effecient. I am appalled. This started XX/XX/XXXX, my welcome package from Ally was received 3 weeks ago before the deposit was yet to be confirmed????.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: three inaccurate and fraud accounts have bee reporting under my XXXX credit reports, these i have been disputing them for the longest times, ally fin i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my XXXX credit reports only., than k you for your cooperation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My ex and I jointly leased a XXXX XXXX XXXX through Ally Financial. In XX/XX/XXXX, my ex and I split and he filed for bankruptcy - putting this account into the bankruptcy department. I never missed a payment and kept the truck until I turned it in to XXXX XXXX XXXX in XXXX, MI, at the end of XXXX, XXXX and leased a new truck ( solely ) through a new finance company. I have since received several letters on the truck I turned in stating my account was delinquent. I called and requested them to fix this every time I received a letter. Finally, in XXXX, they were able to confirm that the truck was turned in and that my account was closed. A few weeks later, I received a letter stating I had a 30 days late for XXXX on the truck that has been turned in since XXXX. I called Ally again and told them this was incorrect - they said I had to submit a letter in writing stating my complaint - which I have done and I haven't heard anything. Through this insanity, my credit has suffered and I have spend way too much time trying to fix a problem that I didn't create. I am outraged at the way this has been handled and that me, the consumer, is the only one who suffers. I pay my bills on time, every time and it is ridiculous what I have had to go through to protect my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A