Date Received: 2019-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The Mini Van was reported stolen to the Police but resolved that it was retrieve by Ally Financial as repossess without notice.
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: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
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: On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report. I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I received notice dated XX/XX/2019 from Ally Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that I was declined for a new vehicle loan. The notice stated that my XXXX score was XXXX and my XXXX XXXX score was a XXXX. The notice also showed that two different measuring matrix 's were used to determine score. Since credit scores are compared, I believe this is a deliberate attempt to obtain higher interest rates from consumers. Most consumers are not aware of XXXX XXXX or their measuring system which automatically lowers credit scores. I believe Alley Bank is knowingly committing defamation of character and defrauding it's customers by using XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 746XX
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX Vehicle XXXX XXXX XXXX purchased with trade in of XXXX XXXX XXXX and pay off of vehicle with same Finance Company Ally Financial. A week later Document sent from Ally Finance to my residence describing in detail that omissions and inaccuracies were provided by the Dealership in order to secure the loan for this new vehicle. Basically they were defrauded by XXXX XXXX, Followed by a Document the same month XX/XX/XXXX congratulating and thanking me for paying off the previous loan, nearly $ 14k. The Finance percentage increased to nearly 3 times more then the previous loan due to the Dealership Finance department in collusion with Ally Financial. I requested my loan submisission form from both Ally and Dealership within 2 weeks of this notice, both stated they no longer had this form. Ally assured it would be corrected. Never happened. I continue to make timely payments at {$690.00} a month awaiting for Ally to renegotiate the interest rate and payment. Never happened. XX/XX/XXXX, I requested to delay my payment due to the Government shutdown. Ally agreed verbally on the phone that I was eligible for a 60 day extension pushing any payments and fees to the end of contract. Regular scheduled payment to be payable on XX/XX/XXXX and that documents would be sent to confirm this agreement. In acuatuality Ally had already initiated a repo order and was reporting this information to the credit reporting agencies. Within 1 month calls began to come in, sometimes up to 12 calls a day came in to my cell phone from Ally requesting payment. They acknowledged the agreement and the payment plan but were only following up to update system with name, current address and phone number. Calls continued on nearly a daily basis with Voicemails overloading my inbox. All Call logs saved. I returned phone calls and again its stated that it was only to update system with my information. I forward all calls now to voicemail and inform them to use the other methods of contact, email and home residence. Never happened. Calls continue with attempts of basic extortion tactics and threats that money needs to be paid to make this stop. Inform them that they must honor the agreement of payment on XX/XX/XXXX. Several amounts differed from one rep to another in the amounts of {$1000.00} to Nearly {$5000.00}. Even though documentation sent from Ally leading up to this point never show those amounts being requested.I stopped answering my phone due to the excessivness of calls and threats. XX/XX/XXXX thru XX/XX/XXXX A total of 182 phone calls and voicemails documented call logs from Ally Financial from different numbers using several area codes On XX/XX/XXXX I call Ally and ask them why are they not acting in good faith and the threats and excessive calls. The Rep for Ally apologizes but is aware of the agreement but wants money this day. I inform him that I will self surrender the vehicle as that it's apparent they prefer to have the vehicle back before the payment arrangement they offered. I provide an agreed pick up point with the address of car lot. Ally does not retrieve vehicle, Car lot does not want to be liable for any damage. I pick vehicle up after a few days and park vehicle at my residence with unrestricted access for Allys tow contractors to retrieve self surrendered vehicle unimpeded. I again contact Ally Financial provide my name, the vehicle and the self surrender of vehicles location. Nothing. Ally being noticed of self surrender XX/XX/XXXX, vehicle as of today XX/XX/XXXX has still not been retrieved. On the date I spoke with Ally reps about not paying the {$5000.00} dollars, the Rep stated that they would initiate a repo order for not paying the nearly {$5000.00}, was asking what kind of condition the vehicle was in and if it was totaled? I said no, it's in perfect shape and still continues to have the full coverage insurance.It should be noted that in early XX/XX/XXXX while they agreed to the 60 day extension to me, they notified the credit reporting agenciesthe same week, dropping my credit score by a 100 points in one months time and continuing to update credit reporting agencies negativity in 4 day increments. Of 25 months of payments made on time, at {$690.00}. I believe their incentive was to keep delaying correction of the interest and payments. This vehicle is in New like condition will be sold and refinanced to another person giving their ability to make more money off a vehicle that this Finance company basically been paid nearly $ 14k on a $ XXXX vehicle only to resale it at close to the original selling price. So here this Vehicle sits in my from yard awaiting Ally to take Action, They were quick to tarnish my credit worthiness when I didn't agree to their threats. My advice is to save every document, record every discussion, keep a paper trail, you may need it to prove your claim. I maintained a log from day one of being notified by Allys documentation to me that they were being supplied information that was purposely misleading, ommisions and inaccuracies from the dealership to secure the loan, yet did nothing to correct it. This sounded like the bank housing crisis from the past where real estate agents and banks were allowing numbers to be manipulated to secure home loans. What is a consumer to do, where is my protection against these type of tactics?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now. 1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''. 2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that. 3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
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: I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XX/XX/2017, Ally Financial ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I recieve multiple phone calls in a single day from Ally Financial about a past due car payment. They call many many times and use different numbers when doing it. On XX/XX/2019 they called a total of 5 times in the span of 30 minutes ( 4 times back to back ) from number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2018 XXXX XXXX in XXXX Arizona tried running my credit when I did not authorize them to. I was attempting to purchase a car from them. But the payment was to high I left and this hard inquiry has remained.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A