Date Received: 2018-10-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a vehicle that was purchased under the company credit not my personal credit it should be moved to XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My account should be squared away and the fact that they switched accounts to my old account to make the withdrawal should not affect my future or record
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2018-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XXXX my wife totaled her car. My insurance first tried contacting Ally to begin the settlement on XXXX. My wife called and made a payment in XXXX, just hoping to keep everything in good standing. Whoever she spoke with at Ally, they said there should be no problems in the future. After no response, and several calls to Ally, XXXX again submitted the entire break down and total loss payment. After over a month of Ally doing nothing, it took myself, a member from XXXX and XXXX from the total loss department of Ally. Even after this, they still dragged everything out and only until XXXX did they finally accept the check from my insurance, who immediately overnight shipped it to them. Now the problem is that they are saying I still owe {$2200.00}. They are also posting late payments on my credit. I have been having to call them several times a week to get anything done, and it's now been over a month and their supervisor XXXX in the total loss department will not even call me back. When I spoke with XXXX in the total loss department back on XXXX she said my pay off was {$1500.00}. So as you can see there are multiple discrepancies and Ally is in no way making any attempt to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a certified letter to Ally Financial, the furnisher of information to the credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and XXXX XXXX ( even though the date was misprinted ). In both letters I asked that they are in possession of any document that they believed authorized the inquiry to produce the document. In a phone call on XX/XX/2018, an individual claiming to work for Ally Financial stated that they were in possession of two applications from an auto dealer for credit. I asked if the applications had my signature on it. She said " No. '' I said if I have not signed it you do not have authorization and since you can not produce a signed application, you can not verify that the transaction was initiated by the customer. The Ally employee tried to tell me that I had to speak with the auto dealer directly, but the FCRA states that the furnisher of information " Ally Financial '' has the obligation to maintain these records and has the capacity to remove this unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. I did not apply for a AUTO LOAN to ALLY Financial. Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? that I will place my HOME as a collateral against car??? UNHEARD OF!!! When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. I was horrified about how much information ALLY Financial Provided about me on XXXX C Rep. The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. However now everybody who is not lazy can dig out my C Rep and read it like a novel. I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. It is very upsetting. I dont know who these people are. ALLY Financial. And I want this report to be OUT from my Credit Report. I called to XXXX and I asked XXXX to remove it. In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. I have nothing to do with them. And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company shows as doing a hard inquiry into my credit report. I have never deal with this company and I have no accounts with them. It appears on my credit report on XXXX, XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XX/XX/2018 we bought a vehicle and used Ally as our loan company. In XXXX I made a call regarding overdraft charges from my bank due to the fact that one of Allys representatives informed me they would cancel auto-draft and they in fact never did. This resulted in {$70.00} of overdraft charges. It has been way over a month now of me calling multiple times and explaining the same story time and time again and being met with employees blaming me for the charges, blaming my bank, or telling me that it will be resolved in X time frame and nothing ever happening. I am sick of hearing different things every time I call and my issue never being resolved. I would never advise anyone to use this company and I wish I had never gotten involved with them in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
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 refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40601
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To XXXX XXXX XXXX XXXX XXXX XXXX Ref # card ending XXXX Dispute : XXXX To whom it may concern : Please be advised that I have been billed {$510.00} promised services by Ally Bank through XXXX. I applied for a Mortgage Loan through Ally. They lead me to believe that I was been approved for a home loan and I approved an appraisal which they billed through XXXX or used XXXX as an intermediary. This is false and misleading to the consumer and I will be filling a complaint against Ally/XXXX and XXXX XXXX if these charges are not reversed. I am contacting the State of Florida Department XXXX XXXX XXXX to deal with this matter. The lack of urgency and professionalism involved with all parties contacted to resolve this issue is unacceptable. I am attaching all documentation received from parties via email and hope that we can find an amicable resolution. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A