Date Received: 2018-11-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XXXX and XXXX as XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with XXXX and Ally financial. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Creditor, On XX/XX/XXXX I have a hard inquiry on my credit report from your company and I did not authorize this inquiry and request that you please remove it immediately. On this day I entered the XXXX XXXX XXXX dealership to purchase a vehicle and was not aware that my information was run through to multiple creditors and you are one of them. I did not sign anything with your company nor did I authorize you to place a hard inquiry and request that it is removed. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Ally Bank has been made aware of Federal Social Security deposits made into my checking account with them however the funds have been blocked several times including now. I am entitled to have access to my social security payments yet they have my account in a deposit only status which is a crime to place this type of HOLD on Social Security payments. I am reaching out to the CFPB to get involved in the matter as I have spoken to Ally bank about this several times. Regardless of overdrafts occurring at times they are not ALLOWED to block SSA payments from use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I requested a rewrite to lower my monthly payment due to hardship. Ally sent documents for me to sign and charged a rewrite fee of {$220.00} which is in money order. I sent all signed documents with the money order enclosed together with money order through XXXX. It showed in my Ally account that the money order of {$220.00} was received by Ally on XX/XX/2018. The due date is XX/XX/2018. But Today, XX/XX/2018, I was told by Ally that my documents was not received in a timely manner. That the rewrite is not valid. But it shows on my Ally App that Ally receive the rewrite fee of {$220.00} in ( money order ). I was told by this company that all transaction was not anymore valid. So I now I have past due of {$1100.00}. I was suppose to start monthly payment of {$310.00} on XX/XX/2018 of Ally acknowledge the agreement & documents signed. I sent documents & money order to Attn : Workout Team Rewrites, Ally Financial at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Ally Workout Team Phone number XXXX. Please help. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Complaint Against- Ally Financial ( Auto ) XXXX. XXXX XXXX XXXX, MN. XXXX XXXX Account # XXXX Complaint- Excessive charges not explained I co-Signed for a car loan for my son a little more than two years ago. My son got behind on the payments and the car got reposed. This happened on XX/XX/2018. I immediately paid the amount due of {$1500.00} plus a XXXX XXXX fee that night. The breakdown was as follows : Past due payments- ( XXXX and 3 of XXXX ) = {$1000.00} Late charges = {$77.00} Expenses ( retaking and holding the vehicle= {$400.00} XXXX XXXX fee- {$9.00} We had made plans to pick up the car the next day at XXXX XXXX XXXX in XXXX Texas. No one informed us that they are closed for auctions on Thursday afternoon. We had to wait until the very next day, which we did in the pouring rain. When I got there, I asked what their fees where and I had my credit card in my hand. They said there were not any fees ; they were taken care of by the lender. I wanted a clean slate, since I was taking over the payments. The next payment was due on the XXXX which I could not make because the paper work was still in the recovery peoples hands. I had to wait until the paperwork was transferred before I could make another payment. At that time it would be late. When I finally got to do so on XX/XX/2018 ; they told me there was a balance still due of another {$220.00}. I asked for a breakdown of the charges, I was told that a supervisor will need to get that for me. I was given a case # XXXX and her ID # XXXX. She told me I would get a call back in 24-48 hours. I made the payment online and sent a message via the site that I need a call back with the information on the additional charges. I never got any call back. I tried a few weeks later to get someone to send me the charges in writing. I was transferred from the customer service people to the recovery department. Besides from being rude they told me that the charges where for transport fees since they had to move the vehicle. I told them I picked it up as soon as possible and the vehicle was never moved from where they originally towed it to. I asked them to put these fees in the back of the note until they can explain what they were for in writing. They said they were but they show up as past due on the site. Everything they told me was a lie. Apparently its not illegal to lie to people just inmoral. I believe we are entitled to an explanation of excessive fees before we are liable and forced to pay them. I do not believe they are NOT an honest company. I highly recommend anyone NOT to do business with these substandard lenders. I wanted nothing more than to start off with a clean slate. They make sure that this will not happened! The American public needs to do a class action lawsuit against these types of rip off companies taking advantage of people! Please help us- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial financed a XXXX I did not purchase and although I called them on several occasions to make them aware of same I was told it was too bad and it was between myself and the car dealership. I informed them that we never signed the finance papers and those were forged signatures and they continued to charge us, refusing to take the vehicle and give me back all of my money. On XX/XX/2016 I went to XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX with the VIN of XXXX. I was told if I got a copy of my husband 's drivers license I would be able to get free handicap equipment as he has XXXX XXXX and is totally XXXX. After going home and getting a copy of the driver 's license as requested by management, with them already knowing the car I had chosen, it took over four hours for them to PREP the vehicle. They kept telling me the car was being serviced only to find out the next day that the service department closed at XXXX XXXX XXXX XXXX. They claimed the car was not ready until XXXX XXXX that night. When I saw the vehicle I kept telling them it was not my vehicle that I purchased and they said the wheels looked different because all of the red mud had been washed off. The VIN of the vehicle gave me instead is XXXX. They forged my husband 's name on the paperwork for the XXXX VIN ending in XXXX as well as the finance papers to Ally. I informed Ally of this and they told me it was my problem. Therefore we have been paying for this vehicle since XX/XX/2016, as we had to while taking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the owner to court. XXXX County Judge XXXX refused to take same and he and XXXX XXXX decided it should be in XXXX County with Judge XXXX. Judge XXXX let XXXX XXXX run the entire situation. I never had a hearing, a trial by jury ( although it was requested ), or anything that would show any fairness. I filed for Judge XXXX to recuse himself and he refused. I filed a stay and he went on with a trial to punish me anyway. Finally I received a notice that my case was decided for the defendant as the judge had no evidence. Problem the paperwork came from XXXX county Judge state court Judge XXXX XXXX XXXX. I looked on line and it actually says that my case was filed closed by my attorney. I was ProSe. I had no attorney at all. I am going to Georgia Court of Appeals as Judge XXXX knew that both myself and my husband 's name was forged on both the contract for the car and the finance company Ally. Who by the way took the interest points up two points so XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX owned by XXXX. Again the forgeries were clearly there, my husband never went to that dealership, they have us signing things all the way up through XX/XX/2016. I had been cursed to my face, told to XXXX XXXX, as well as other names you do not call a XXXX year old woman. My husband never signed anything. The car ending in VIN XXXX was torn up inside, the interior locks were gone, ran pours into the vehicle when it rains, wires are showing and it appears as though the back upper part was hit by something tall. The FBI told me that forgery was not a crime when I called and explained it to them. I want justice. I will have to send all documents under separate cover. In addition almost one half of every payment goes to interest. Neither myself or my husband signed this loan document, I have only signed one set of papers and none of them were for finances from any financial institution. Never signed loan papers. I have two sets of contracts and other documents, one for the the car I wanted ending in XXXX and another totally forged ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: To whom it may concern I have contact ally and explained them my financial hardship situation thats been going on for about 12 months or a bit less. I have emailed them a request for assistance to help me get an immediately extension for 2 month so that it can help me get back on track with my payments once for all. I know and understand they have help me several times and Im very thankful because they always been there for me on hard times. I am really sorry that I have to go thru this again and ask them for help again. But unfortunately my grandmother health has been my major financial hardship situation and problems with her health as she is an elder lady of XXXX years old. In my request I mentioned Them all of my concerns and submitted pictures of her recent XXXX and aware them of the cost of everything we been thru and the cost of her XXXX and medications and her appointment they are not free. They froze my account last month of XXXX and I had to use XXXX XXXX XXXX XXXX because they couldnt allow me to use my mobile app to make payment since the car was ordered to be repossessed. I had no choice but to ask my landlord for a loan to pay them a month payment of XXXX by not doing it my car would be repossessed. I know they help me several times already but that doesnt mean they have to treat me bad or denied any help options or alternatives since I have been on time most of the time within the past 3 years this year has been the worse for me as I been having a lot of problems under the circumstances that my grandmother health is causing at this time but her life is first I also stated that I been working less hours at work but its only a temporary thing it always slows in winter time but the most important thing is to communicate with ally as my loan service and see my payments Alternatives before taking any actions against me as Im experiencing difficulties with my financial needs difficulties with my grandmother health. It wish ally had more affordable payments and wish they even lower my payments without having to refinance or going thru. Rewrite department. The way they help people out can sometimes denied you help wen ur struggling beacause of a family emergency in this case my situation. Some times I feel like they dont believe me and might thing that Im a lier but this is really happening people and as much as I try to become current Im always a payment or two behind and as I explained my self to them most of the time they dont care and the representative will be well it not guaranteed that they might help you or give you and extension. It is my priority to keep my car and get caught up and make my payment in time. This situation has also generated late fee charges and its ridiculous gone up to XXXX or more in late fees as they been generating. Im begging ally to accept and help me get 2 months or 3 month extension to get current even if they add all the past due Yo the end of the contract I know those payments can be paid at the end or if any other best way or option even better. Only if interest for a 12.19 % Ive paid about a good XXXX on interest if not maybe more. and for the first 3 years I never failed Any payment since I didnt had any or much family health issues or financial hardship situation like right now. I know they can help me find a way so that i wont be panicking on how to become current in a small period of time since they make me panic and i feel stress out thinking Im going to loose my car. Also a lot of things have been replaced in my cAr I was very disappointed that XXXX XXXX denied me to fix the repairs while my car had a manufactured warranty that cover the repairs I did but they refused to do so that cost me money out of my pockets money that could hVe been used to pay my car payments etc. 2 times they denied me the warranty parts insurance I had they didnt value it I end up paying XXXX for two sensors and replaced the battery twice everything should have cover me with the warranty insurance I had. Now the most important tia to ask ally for help. Help me get current I recently made a one time payment of XXXX thru XXXX XXXX XXXX XXXX on XX/XX/2018 Im behind 3 payment please help me by adding this past due amount added into the loan and possibly have those 3 month payment dude by adding them to the loan by extending the months to 3 more months payment addd to the end of the contract or any better solution. Help me now before my car can ho to re ppo as Im trying to avoid it
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: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness. I have now received a letter from XXXX XXXX, XXXX, XXXX XXXX, and Ally Bank none of these places have I ever applied for a vehicle loan nor did anyone have permission to apply on my behalf. Further, the loan I had from XXXX was a joint loan with my husband and I informed XXXX of this and at no time would I apply for a vehicle loan without my husbands income and his name on everything. The attached letters are coming to me only and this further proves that at no time did anyone at XXXX of XXXX have permission to run my credit as I would not apply for a vehicle loan without my husband being included. I would not do business with any of the banks that have sent me a letter as I have been with XXXX for 37 years and had an approved joint loan from then when I went car shopping. I would never buy a new car either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A