Date Received: 2019-05-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling to speak to my mother. My mother has never been attached to this number in any way. I havnt lived with her in 5 years and we share nothing financially. They claimed they found this number in public records but all records i can find claim this is my number and that i am her daughter. When i called them out on that they hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I purchased a new 2018 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX dealership in XXXX, Missouri. Upon securing financing through Ally Financial, XXXX, Finance Director explained that an additional {$4000.00} was also approved by Ally Financial to finance accessories, warranties, etc. Finance Director lead me to believe that since vehicle, though new, was a 2018 model and three-year warranty would expire in XXXX in order to sell me the extended warranty for {$2600.00}, which I did purchase. Said amount was added to vehicle loan balance. XXXX XXXX, Sales Manager at XXXX XXXX, called on XX/XX/XXXX to explain that my down payment of {$6000.00}, paid with certified funds, had been misplaced and could I replace the certified funds. Upon verification from my bank that funds had not been deposited by dealership, certified funds were replaced. On XX/XX/XXXX when I delivered reissued certified funds to XXXX at dealership, I explained that XXXX, Finance Director, had misrepresented when factory warranty would expire and I would like to cancel extended warranty and apply the {$2600.00} for extended warranty toward Missouri Department of Revenue sales tax. XXXX said he would check on this and get back with me. He called shortly thereafter and explained that upon cancellation of extended warranty, {$2600.00} would be deducted from balance of loan and could not be applied to sales tax. On XX/XX/XXXX I called Ally Financial to verify this information and was told that there would be no problem with Ally Financial issuing a check to Missouri Department of Revenue for {$2600.00} upon cancellation of extended warranty, however, this process would have to be initiated by dealership. I called my salesperson, XXXX XXXX, for help with this and conveyed to her my conversation with Ally. She called me back and stated that my request was not possible and that {$2600.00} would be deducted from balance of loan. On XX/XX/XXXX I called Ally Financial again and spoke with XXXX who verified that my request could absolutely be granted and gave me explicit directions on how to proceed. XXXX also gave me an overnight address that the dealership should send request and warranty cancellation funds. Directing to overnight address would ensure that warranty cancellation funds would be reissued to Missouri Department of Revenue. I emailed XXXX XXXX on XX/XX/XXXX with warranty cancellation and request to reissue funds to Missouri Department of Revenue along with instructions from XXXX at Ally on how to complete these requests. XXXX also explained to me that it could up to three weeks for completion of these transactions. I followed up with Ally on XX/XX/XXXX to verify completion of my requests and was told warranty cancellation funds of {$2600.00} had been deducted from loan balance and no funds were forwarded to Missouri Department of Revenue. On XX/XX/XXXX I called Ally Financial again and requested to speak to a supervisor and was transferred to XXXX. XXXX reviewed notes in my account and agreed that Ally should have issued check for {$2600.00} to Missouri Department of Revenue and would submit request for this error to be rectified. XXXX called me back on XX/XX/XXXX to explain that request had been denied. I conveyed to him that this was difficult to understand as I followed instructions given to me by Ally Financial. XXXX agreed and resubmitted request which was also denied. Ally Financial provides inconsistent answers and policies each time I call them and I find this frustrating and unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 634XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated phone calls : XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX ; XX/XX/2019 : XXXX, many more Ally Financial repeatedly calling to collect a debt that is not mine. They refuse to provide an explanation as to how they got my phone number. I never had nor currently have an an account with them. The actual account holder did not provide my number as a reference. They are likely using a listing company ( i.e. white pages ) to find any person that may or may not be associated with the account holder and repeatedly calling and harassing to get information for a debt collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I requested a stop payment on a check sent through bill-pay with ally bank. They told me the stop payment was successful and the funds still cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60516
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
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: Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
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: ALLY FINCL partial account number XXXX - is reporting incorrectly to XXXX a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment. Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A