Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment. On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.
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: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
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: XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91384
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
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 received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: To whom it may concern I am sick at tired of companies like ally financial threatening me as the borrower for a repo with my car. And denied any type of assistance they are very very strict. They have humiliated me several times and discriminated me several times just today I received a phone call from a lady I dont exactly remember her name as we spoke, but she was very rude and ignorant. I tried to explain her my financial hardship situation as they were aware of it in a app message I sent them with pictures of my grandmother new XXXX and been hospitalized would have actually help me by providing them pictures so that they know that what Im saying isnt false. That everything Im goin thru at this time is affecting me with my payments. not only that but I told them my hardship situation and that I had hours reduce at work and that I was struggling to make my payments due to my financial hardship situation related with my grandmother health and getting less hours at work. At first I tought she would be nice and perhaps for once they would listen to me rather than denying me for assistance I was happy that finally after more than 2 weeks going to 3 week finally someone had contact me regarding my financial hardship situation and possibly find a solution for this matter, I tought ally would help me out and offer me to extend 2 months so that I can be current with my payments I first want to mention that they have help me before my grandmother health been going on for 6 months to 1 year but it is not my fault that things got worse and that my grandmother health is not getting any better since she is still hospitalized and under medications etc and all that isnt not free. It is very sad that such a great company like them are refusing to help me and to give me an opportunity by extending me 2 or 3 payment past due at the end of the loan so I can become current. They know what Im going thru at this moment which brokes my heart and they refuse to give me any help and are threatening me to pay all the past due amount in difficulty times like this one at this moment. Rather than help me out they most likely they want me to loose my car and possibly they waiting on giving me a repo on my car they are not giving me any options at all this people just want money money money. I wish they understood my concerns and wish they honored me a work kit option I need assistance now they help me out before and I know they can do it now manager or supervisor can actually re write and extend the past due payments at the back of the loan. They have humiliated me what are they waiting for me to tell them that soon my grandmother might pass away if I dont continue helping her out she is the most important person for me right now and I want her to live that is why I want ally to help me get the extension. Yes again if they dont help me than who will I cant refinnace becUse they do t offer that option I wish they can reduce the late fees as well. Times like this is wen I need my them to help me out S I intent to get caught and get current with my payments. The representative I spoke to said that I need it to pay 2 payments and how on earth would I get 2 payment we are talking about 1,000 approximately I know Im behind ally and that is why i come to you to help me out. Not for you to denied me and humiliate me by your representative that are rude and ignorant that they dont care about people emergency people financial hardship. I feel like ally representatives like to discriminate XXXX XXXX and humiliated them too. I want s resolution I dont want to get. Repo I need assistance now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. I have not been able to access funds in my account for almost two months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A