Date Received: 2018-08-28
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: We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. The document below is the only documentation provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2018-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ALLY FINANCIAL ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a joint loan with Ally Financial. My ex-husband who was the joint signer filed bankruptcy. I had possession of the vehicle as awarded in the divorce decree. Due to his filing that I was unaware of, my online access was blocked and no bills were sent to me electronically or by mail. I contacted the comments as soon as I found I could not pay my bill online. Every time I called, I had to deal with the bankruptcy dept. even though I had no bankruptcy myself. With no notice of not being able to pay my payments other than by mailing them, I was refused billing documentation to show how my payments were applied to principal and interest. My due date on my loan was the XXXX of the month. I verified my loan was paid off and closed on XX/XX/17. I have a 30 day late status being reported to XXXX as my current account status and 30 day late payments to XXXX for XX/XX/17 and XX/XX/17, as well as a status of repossession/redeemed. With a due date of the XXXX, its not possible for my loan to have been 30 days delinquent on XX/XX/17 and I didnt have a XX/XX/XXXX payment due, so it couldnt have been 30 days either. This issue has been disputed through the credit bureaus twice, starting over 60 days ago and my XXXX report as of today is still showing these late payments. I since requested copies of my payment history and original contract and I was on the phone well over an hour and transferred around repeatedly with no results. I should have the right to statements as well as payment history and to have my credit reports reported accurately within a reasonable time period, and its been over 60 days with multiple requests. Additionally, my vehicle reports as a repossession/redeemed. I made a payment arrangement which Ally agreed to for my payment within a few days if my balance reaching 90 days. Prior to that payment, they had my vehicle repossessed. While the company was there, they agreed I could call ally to verify the arrangement. When I called, Allys system was down and he could not verify the arrangement. I asked if he could take the payment right then directly from my account, and was told no because the system was down. I had to go the following day to purchase my XXXX back. When I arrived the next evening the vehicle was covered in mud, had cornstalks underneath and the gas gauge was nearly empty, nowhere near where it was prior to being towed. There was a cigarette burn in the seat, sticky beverage spilled down the door and was in four high in four wheel drive. It was a lifted wrangler that apparently was taken out and beat on, also being driven on dry pavement in 4wd. I had to have the transmission rebuilt, costing me {$2000.00}. The spare key fob was also taken out of the console by that company. I called ally, letting them know the condition of the vehicle and that I had pictures from before it left my drive to when I picked it up, they said there was nothing they could do, even though they contracted that company. I asked the representative the night before as well as that day if my payment arrangement could have been verified, would my vehicle have been taken, both said no, but again nothing they could do because their system was down. That was the first time the vehicle ever hit 90 days and I stayed in contact to make arrangements and to hold up my end of the contract. I can not add documents other than images from my credit reports to support this because the company has refused to provide me statements, payment history or a copy of the original contract. I did get an employee in the call center to verify date of receipt of payoff verbally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Ally invest charged a {$200.00} fee to offset bonus earned for opening account, in error. The terms of the offer do not allow them to levy this fee.
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: 2018-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
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 paid off my car loan on XX/XX/2018 and am in the process of buying a house. I am set to close on my house today XX/XX/XXXX and tried calling the bank last week to get a letter showing that my loan was paid in full. The customer service rep told me that it could take XXXX days and they could only fax. I was OK with that because i still had a week to close. One day before closing i still did not receive the letter and i called at least 15 times to get this letter because i had to close on the house the next day. They told me i would have it before XXXX. At XXXX i decided to call because i still did not have the letter. I waited and waited and was told that i would have it by XXXX. I told them i would wait on hold until the fax was received. They let me hold. At XXXX they came back on and told me the department was closed. I was now out of luck and could not close and had to pay a penalty to the seller for not closing on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A