Date Received: 2018-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I am a XXXX years old and retired, someone has been debiting my account for the last 16 or so months, I get automatic SSA direct deposit and have just found out " ALLY ALLY PAYMT XXXX XXXX XXXX XXXX '' has been debiting {$590.00} for the last 14 months. I have filed a police report with the XXXX XXXX County Sherrifs office # XXXX and have also filed a Federal Trade Commission theft report # XXXX. I am in contact with the Attorney Generals Office - XXXX XXXX to help in this matter. Also I have hired my son, XXXX XXXX XXXX on a retainer to oversee this in the event we have to file a lawsuit against Ally Financial for theft, also he will be sending Ally Financial a cease and desist letter on the charging of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: A settlement was reached between U. S. Department of Justice and the Consumer Protection Bureau and Ally Bank for allegations of discrimination in auto financing. After notified of the lawsuit a few months later I received a letter from ally bank noting that I was to receive a credit on my loan and will be reflected on the following billing statements. The letter was dated XX/XX/XXXX. I have since called and found out that my payments were adjusted and instead of a decrease they increased from XXXX to XXXX. I have called and In fact the monthly payments did increase with no changes in length of total amount financed. Customer service states credit has been applied. I have the correspondence letters. Please send contact information of whom I should contact next. Thanks so much for your assistance. XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2018 I called Ally Financial and spoke to a representative about an advertised offer that provided for a {$1200.00} cash bonus for opening a new account with {$500000.00} or more. I inquired as to whether the combination of my two accounts, an IRA and a Roth IRA, would qualify, since the combined value was well over the threshold. I was told that the combined value would be considered. I opened the two accounts and transferred securities. Ally calculated the bonus 60 days later and gave me a bonus of {$600.00} in one account and {$300.00} in the second account. When I called to inquire of this discrepancy, I was told that the two account values were considered separately and that they would not give me the full {$1200.00}. I would like for Ally to fulfill their commitment of a {$1200.00} new account bonus. I've attached my call log showing the date and time I called from XXXX. A review of this phone call should confirm my conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous. Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINCL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a lot of hard inquiries that I didn't give permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of 2016 we were in a no-fault traffic accident in our vehicle which was declared a total loss. My insurance company paid off the majority of the loan ( approx $ XXXX XXXX and it took a couple more weeks for the gap insurance to pay the remaining balance. Once the gap insurance paid the remaining balance, there was approx {$1100.00} left over. We were 60 days late paying this and requested assistance from their XXXX department but was blown off and made it too difficult to contact back. We paid off every penny within a couple months of the accident but this was reported as being written off as a repossession. I disputed this with XXXX ( # XXXX XXXX but now it still shows that $ 600+ was written off and thats how they reported it. We sent this payment then found out after the fact themat they wrote it off. I dont know if they reported the entire amount to the XXXX as a credit but this is wrong. I am unable to purchase a vehicle because the banks look at this as a repo. I have called and asked them for a payment history but I have still not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A