Date Received: 2019-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I received an auto loan to purchase a XXXX XXXX XXXX with Ally financial. The car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif Ally had dismissed the case. I do have a notice of dismissal from New York State. Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact Ally 's legal department and I have gotten nowhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been in an ongoing dispute with Ally Financial concerning an end of lease charge for tire wear wherein Ally showed referenced the wrong vehicle on their website, etc.. Once bringing the matter to their attention, mysteriously, the website was no longer available for viewing. Since it is like speaking or dealing with robots we settled this matter for {$410.00} on the condition that the charge would not be recorded on my credit report. This week I had a credit report pulled and low and behold Ally shows the {$410.00} as a charge off as a bad dept rather than settlement as agreed together which is infuriating. Ally has lied continuously throughout this process so would hope the CFPB would reprimand this thieving organization accordingly, thanks ... .. BTW the account is Ally Financial Account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/2019. Received a call from XXXX at Ally financial. She wanted to know when Im going to pay my auto loan. I told her she needs to contact my attorney. She responded you dont have an attorney. Continued to ask when Im going to pay. I repeated you need to contact my attorney. She then told me that if Im not going to comply we will send people to XXXX XXXX XXXX ( my house ). I told her multiple times you need to contact my attorney and each time she told me you dont have an attorney and that I have to deal with this myself. Eventually she said Im going to record that youre non-compliant and then hung up on me. Now all of this happened a month or longer AFTER I received my bankruptcy discharge from the court, which included my auto loan through Ally Financial. Never once did she ask for my attorneys name or phone number or anything. She literally just ignored the fact that I retained an attorney, filed bankruptcy and received a discharge. She threatened to send people to my house if I didnt pay. This is completely unacceptable! Not to mention illegal, I think. I was granted a discharge from the auto loan debt by the Courts and yet shes calling me to collect the money, ignoring my request to speak to my attorney and THREATENING to send people to where I live! I fell in hard times that lasted for several years, filing bankruptcy was not something I did lightly. It was an extremely stressful time, so much so that I began receiving medical care due to the stress & anxiety of trying to rebuild my life. Then when theres finally resolution and I can begin to get back to normal this woman calls and treats me that way. Please look into this matter for me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6 months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX said my credit score was 200 points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. Ally Bank will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX I had cancelled the maintenance package I purchased with my vehicle. The dealer ( XXXX XXXX, XXXX, MD ) whom I cancelled the maintenance package with, sent to Ally Finance ( Auto Loan department ) the amount of {$3300.00}. On XX/XX/XXXX I telephoned Ally Finance ( Auto Loan department ) to confirm they received the payment from the dealer. Ally Finance stated that " {$3300.00} was received by the dealer, and that my next payment of {$270.00} would be due on XX/XX/XXXX. They further stated that in XX/XX/XXXX the payment would resume to the monthly amount of {$550.00}. Then in XX/XX/XXXX, for several days I had been noticing I had been receiving calls from an, " unknown '' caller on my phone 's caller ID. I did not answer the call as with " unknown '' I am aware that these are Robocalls, solicitor calls. There was never a telephone number associated with " unknown ''. However, on XX/XX/XXXX, when again I received another " unknown '' call I decided to answer it, in hopes to make the Robocall stop. When I answered the phone, there was a long silence, then they asked to speak with " XXXX XXXX '' ( me ). When I asked who they were, the caller identified them self as being from Ally Financial. I asked what the call was regarding, and they stated that I had owed them money for my automobile loan, {$1700.00}. I replied that was not true, as per my call with them in XX/XX/XXXX, I was informed the dealer sent a check that was received and applied to my account, and that I was further informed that my next payments were not due until XX/XX/XXXX. I further stated, that I did not feel comfortable continuing the conversation as the number was received as " unknown '' on my phone, and there was not a number associated with " unknown ''. At that point I immediately hung up the call and dialed the number I knew for Ally Financial, and that I had saved to my phone 's contacts. When I got through to Ally Financial and explained what was going on, they stated that the check they received from the dealer was returned by the bank as non-sufficient funds onXX/XX/XXXX. I then stated to Ally that I was going to the dealer to investigate and would call them back soon. As soon as I hung up, I drove to the dealership for clarification of what Ally Financial stated as the check being returned. The dealer representative of XXXX XXXX in XXXX, MD, XXXX XXXX, investigated it with the accounting department, and determined that the check had in fact been cleared. With the assistance of the dealer we then called Ally Financial together to get to the bottom of this. When the dealer and I got Ally on the phone, Ally then stated that the check had in fact cleared, and that it had originally been applied as a normal payment in XX/XX/XXXX, but on XX/XX/XXXX they then re-applied the payment to the principal balance. I informed Ally that I was leaving the dealership, and would call them when I had privacy to discuss this. Moments later when I left the dealer, I again called Ally Financial back. I informed Ally Financial that I had not received a letter, nor a telephone call, nor a certified letter. I had never been informed of this re-applying of the payment to the principal, that I had just been informed of by Ally. I instructed Ally to re-apply the money from the dealer back as a payment, where they ( Ally ) had originally placed it and had informed me of such placement on XX/XX/XXXX. At that point, Ally then transferred me to a XXXX XXXX in Customer Service. After spending over an hour with XXXX XXXX, going over everything, explaining again how Ally had re-applied the payment without ever informing me - not by letter, or by call, or by certified letter, and now they were demanding over {$1700.00}. I explained to XXXX XXXX that I only just learned of this situation because I answered my phone from a caller that identified them self as " unknown '' on the caller id of my phone, no number showed up only the words " unknown ''. I stated to XXXX XXXX that this is not how to treat customers. After over one hour and several holds that I was placed on by XXXX XXXX, he stated that they would work to remedy this by re-applying the {$3300.00} back as a payment as they had done on XX/XX/XXXX, which would then put the payments back to XX/XX/XXXX at {$270.00}, and then resuming regular payments in XX/XX/XXXX for {$550.00}. XXXX XXXX said for me to to give it 24-48 hours, and that Ally would call me back at that time to confirm everything was back to how it was on XX/XX/XXXX. OnXX/XX/XXXX I gave Ally a follow-up call to see if the {$3300.00} had been re-applied as payment per what XXXX XXXX stated. I spoke to a XXXX XXXX, who placed me on hold several times, to then inform me to call back on Thursday, XX/XX/XXXX for a status of the re-applying of the {$3300.00} back to where it was onXX/XX/XXXX. In closing and as stated, Ally Financial informed me on XX/XX/XXXX that the dealer check for the maintenance I cancelled was received and that no other payment was due from me untilXX/XX/XXXX. It was because I had answered the call of an " unknown '' caller with no phone number ( later identified to be Ally Financial ) on XX/XX/XXXX that I learned that Ally never notified me that they reapplied the check for {$3300.00} for the maintenance plan I cancelled with the dealer, and were demanding payments from me totally {$1700.00}. At this point Ally Financial has seriously destroyed my credit, and has deceived me. I am seeking help from the CFPB in working with Ally Financial to resolve this issue ASAP, and to fix my credit with the credit reporting agencies. If you need further information, or clarification, please let me know. Thank you. Kind Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A