Date Received: 2019-02-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Car loan was refinanced XX/XX/XXXX by another bank and a certified bank Cashier 's Check was sent to ALLY for {$11000.00} at the address directed by them. The amount needed for payoff good through XX/XX/XXXX was {$11000.00} plus two additional days per diem of $ XXXX/day was added in order to ensure they received enough funds to pay loan off. Check referenced customer 's name and account number and was endorsed by two bank employees as required by issuing bank. Ally received check and applied on XX/XX/XXXX to loan in order to pay it off. Ally issued a letter stating that loan was paid off and directions on how to obtain clear title, notarized letter stating lien was released, original credit sale agreement marked paid in full XXXX XX/XX/XXXX, and a refund check for the overage of payoff of {$15.00} was sent back to customer. Customer received original title free and clear in mail sometime after and new bank refinancing added their lien to the title at that time. On XX/XX/XXXX customer contacted bank that refinanced car loan because she received a statement showing that she had a payment due to Ally XX/XX/XXXX. This statement also showed that the total payoff was paid on XX/XX/XXXX. Bank that issued Cashier 's Check looked up and saw that check was never cashed but also that it was never returned to the bank. Neither bank issuing check nor customer were ever contacted to say that check was not accepted. Customer called Ally on XX/XX/XXXX reference # XXXX and XXXX told her that check was reversed from payoff and that payment was due however he couldn't get any further information as to why payment was reversed due to payment processing center being closed and to call back Monday. Bank issuing Cashier 's Check and refinancing loan called Monday, XX/XX/XXXX reference # XXXX and was told that XXXX XXXX XXXX refused the check and sent it back to Ally and that Ally shredded the check and never notified customer or bank of issue. Bank requested that a supervisor review and manually send a payoff for the same amount that was sent in XXXX since check was valid and accepted for payoff and that bank issuing check would send a check for the same amount in order to resolve. However, bank nor customer would not send a check for amount now showing due since more interest has been accruing and customer nor bank were never notified that check was refused after they were notified that it was accepted and loan was paid off. Bank was transferred to XXXX reference # XXXX on XX/XX/XXXX who was going to request a supervisor to review in order to waive additional charges after payoff and would send payoff to bank. Payoff was faxed to bank on XX/XX/XXXX for {$11000.00} which is {$180.00} more than what was collected for payoff XX/XX/XXXX when originally received by Ally. Ally was called on XX/XX/XXXX by customer and bank jointly and spoke with XXXX in order to request that the payoff be dated back to when original check was received and that by Ally issuing all the documentation stating that the loan was paid off and not notifying bank or customer that check was sent back to them by their bank XXXX XXXX XXXX that it was harmful and deceitful to charge the customer additional interest and payments after payoff was received. XXXX stated she would send request to a Supervisor and that a Supervisor would call bank back to discuss the payoff. Supervisor never called bank back so again on XX/XX/XXXX bank called and spoke with XXXX at Ally again reiterating the problem and all the details. XXXX was going to talk with XXXX and again send a request to Supervisor to call back bank to try to resolve. No call was ever received by bank from a Supervisor. XX/XX/XXXX bank again called and spoke with XXXX at Ally reiterating the problem and all the details again and letting XXXX know that bank spoke with her on XX/XX/XXXX as well as XXXX on XX/XX/XXXX and that after both of them requesting a Supervisor call to resolve this issue no calls have ever been received back by bank from any Supervisor. XXXX promised to send through the request to Supervisor to call back bank in order to resolve. Still no call has ever been received by bank from any Supervisor at Ally. All the bank that refinanced the loan wants to do is try to get this loan paid off and Ally not only shredded the first check that was sent to them now they refuse to respond to numerous calls from bank and customer. They also want to make the customer pay additional payments and interest on a loan that should have been paid off over a month and a half ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
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: On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo . for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. The company redirected me back to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I Leased this car from Ally Financial for 3 years with the option to purchase at the end of the lease. towards the end of the lease I started calling the bank to ask for the option to purchase the car because I wanted to keep the car. They started running my credit every time I called them and begged them to please sell it to me because that was the only transportation I had to go to work ( See credit inquire history attached ) Once they noticed that the amount owned in xtra miles was greater than the value of the car in XXXX XXXX, Ally started demanded me to pay the amount owned in xtra miles. I was forced to go get another car loan to have transportation to go to work. On XX/XX/2017 After trying multiple times to get financing through different car dealers, I ended up in the XXXX dealer and when they run my credit and search for financial institutions one of the banks that came back offering me a car loan was Ally. Same bank that totally denied me the option to purchase the car I leased from them because of my bad credit was willing to finance me my new car loan. I fell that I was victim of FRAUD with this bank. Plus because all the multiple inquires I was forced to take a 16 % interest rate on my new loan. The government shouldn't allow this companies to still from their good clients. I was offer a Lease with a purchase option and they did not comply at the end of the contract. This should not be affecting my credit because I comply with every payment until the end of the contract. I really hope I find someone that will legally educate me as to what my options are to get out of this problem since I comply until the last payment. Ally Broke the contract by denying the option to purchase the car at the end of the lease as they had promised when I got it. How can they call this Lease with option to buy? don't let them fool you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously submitted a complaint in regards to the incorrect information that XXXX agents have provided me. However, just recently I spoke with 2 supervisors who confirmed that the repossession reporting on my credit profile for XX/XX/2018 is in accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have contacted Ally Financial several times regarding a negative report on my credit file. Ally Financial is reporting my payment for the month of XXXX was late. At the time my payments were due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$1300.00}. Contacted Ally to change my due date and was told I had to pay {$140.00} to change my due date from the XXXX to the XXXX. I paid {$140.00} on XXXX. My new payment date would not take effect until the next month XXXX. Ally can not explain to me how my XXXX payment was late in the several calls i have made. I am just told they can put in a dispute that takes 30 day only for me to get a letter that says their right with no other explanation. I called again and was told i could not talk to the credit department that reviewed my account but that they could put in another dispute that takes another 30 days. This is unacceptable. I need Ally to explain how my payment was over 30 days late for the month of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan with Ally Financial that I was a joint account on with my girlfriend. In XXXX of 2018 I filed for Chapter XXXX and was discharged in XXXX of 2018. During the time of Bankruptcy, Ally financial reported 30 days late for the month of XXXX, XXXX and XXXX. By bankruptcy law, th account is granted an automatic stay which means they may not continue to report anything on the account. I did not reaffirm the debt but was given the option to continue making payments on the loan but it would not affect the credit. We sold the car in XXXX but I have asked Ally to remove the late amounts as they were 1 ) not infact 30 days late and 2 ) were not allowed to report any reporting on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A