Date Received: 2018-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2018-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this. This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Ally Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX ( XXXX ) from XXXX XXXX XXXX Located on XXXX XXXX XXXX XXXX, XXXX SC, XXXX. My problem arose during the month of XX/XX/XXXX dealing with major mechanical problems on the vehicle causing me to become emotionally and financially distressed with unresolved mechanical problems and repairs ( See Attached- XXXX Invoices ). During XX/XX/XXXX, I became aware of the Buyers Guide form ( See Attached Buyers Guide Form ) the information it furnishes is deceptive in violation of 12 U.S.C of Section 5531 and 553 under Federal Trade Comission ( 16 CFR PART-455 ) Used Motor Vehicle Trade Regulation Rule. XXXX XXXX, saleperson employee for XXXX XXXX XXXX he wrote on the Buyers Guide ( See Attached - Buyers Guide ) form in front me and my spouse during the transaction of XX/XX/XXXX ( See Attached - Purchase Contract ). Buyers Guide Form Findings : Failure to disclose sysem covered/duration section ; Failure to disclose dealer 's information or signature on the back of the Buyers Guide ; Failure to disclose Service Contract was available. On XX/XX/XXXX, I file complained with the Department of South Carolina Consumer Affairs ( See Attached - Letter ) requesting the contract be rescinded and to be reimbursed all monies paid in good lieu toward the vehicle. I was informed by the Department of South Carolina Consumer Affairs that they were unable to resolve the matter because the agency acts as intermediary and work for the voluntary resolution of Consumer Affairs to process complaints involving the sales of goods or services for personal, family or household use. I strongly feel the Departments of South Carolina Consumer Affairs did not follow the guidelines to resolve the problem. It is conclusion that the Department of South Carolina Consumer Affairss did not receive accurate facts regarding the sale of the XXXX XXXX XXXX ( XXXX ) and decieved by XXXX XXXX XXXX. Furthmore, I believe that the Department of South Carolina Consumer Affairs is in possession of manipulated documents provided in a response from XXXX XXXX XXXX as documentation. As a result, my complaint was closed on XX/XX/XXXX. On XX/XX/XXXX, I file a complaint on grounds of fraud ad professional misconduct with South Carolina Department of Motor Vehicle Office of Inspector General ( See Attached-Letter ) requesting an investigation on all documentation of the purchase of the XXXX XXXX XXXX ( XXXX ) be completed. The Dealer License and Audit Unit informed me an investigation was conducted and my complaint was forwarded to South Carolina Consumer Affairs for further investigation. I am very disappointed because I read the South Carolina Dealer and Wholesale Manual on Dealership Requirements and clearly states federal law rules which requires that every used vehicle for sale on a dealer lot must have a completed " Buyers Guide form '' in the window etc. The neglectful actions taken on XX/XX/XXXX, led to The Buyers Guide not being fully completed. There were obvious omissions by the dealer with the Buyers Guide not placed on teh window of the vehicle, the dealer 's signature is absent, and pertinent systems covered is missing from the Buyers Guide. As a consumer, we hold professionals to a higher standard of practice and expected information regarding a product, good and services ; they remove the buyer 's option to have concrete facts in making a decision. I have made several phone calls to attorney 's here in the XXXX South Carolina area, unfortunately, none of my calls were returned. I took it upon myself to look up Uniform Codes, Federal Laws, and State Laws to advocoate for myself on these unethical practices, therefore ; I am reaching to XXXX XXXX XXXX XXXX for support in resolving the matter that promotes fair business practices. Moreover, XXXX XXXX XXXX lies with breach of XXXX XXXX XXXX and XXXX Guaranteed Auto Protection/Deb Waiver Agreement/Addendum to Financing Agreement Addendum Contract in absence of my signature. As a direct result of omission and wrongful acts, on XX/XX/XXXX, I sent a Recession Notices certified mail through the United States Postal Services ( See Attached-Letter ) to Ally Financial Inc. and XXXX XXXX XXXX XXXX, exercising my rights to pursant to 15 U.S.C. Section 1635. Additionally, I am using my rights to rescind the loan by Ally Financial Inc. and to be reimbursed all payments made on the XXXX XXXX XXXX ( XXXX ), along with XXXX XXXX XXXX XXXX 's Extended Purchase Price {$8700.00} which is including withe Retail Installment Sale Contract totaling {$36000.00}. As of today, I haven't heard from Ally Financial Inc regarding the Recession Notice but they sent me a Right to Cure letter on XX/XX/XXXX and I did get a response from XXXX XXXX XXXX XXXX they did a cancellation on their contracts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in a row. The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. I receive calls constantly on my work number which is strictly prohibited by my employer. I have received voice messages stating that I will be served paperwork if I do not return phone calls. I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My car was wrecked on XX/XX/XXXX and deemed a total loss on XX/XX/XXXX. One week later the insurance total loss adjuster established the total payout amount for the car. I gave the adjuster the finance company contact information in order for her to get the total payout amount for the wrecked vehicle in order to settle the amount due. Around XX/XX/XXXX I received a call from the finance company stating that my payment was past due. I informed them that I no longer had possession of the vehicle, it had been total loss due to an accident and that the insurance company were given their contact information in order to pay off the car. Immediately after I called the total loss adjuster and informed her of what the finance company stated concerning the payment, she stated they would " cut the check immediately. '' Three weeks later, after receiving no follow up from the insurance company or the finance company and assuming the payout check had been received, I noticed a change on my credit report. The finance company has reported my car payment as 30-59 days late and has caused my credit score to plummet. So I contacted the insurance company to see why they have yet to pay off this vehicle they now have possession of, they informed me that for 3 weeks the finance company hasn't answered their phone calls and is refusing to send a letter of guarantee in order for insurance to pay off the car. I contacted Ally several times in which they continually lied to me stating they have received no correspondence from insurance and refusing to allow me to speak to a manager or supervisor. Even with knowledge of the accident and after receiving numerous calls from insurance they have continued to add daily finance charges for each day they can drag things out. They are also continuing to report these bogus charges in my credit report, drastically affecting my credit. On XX/XX/XXXX I filed a complaint to the XXXX. After receiving the complaint, Ally finally acknowledged the correspondence from insurance and sent the letter of guarantee, which states that if they send the pay out amount the determined for the value of the vehicle they will take possession of the vehicle and own the vehicle. On XX/XX/XXXX the insurance company issued the pay out check, sending me a confirmation email when they issued it. Ally has yet to update the balance owed and continues to add additional finance fees although they have received pay out from insurance. They are still reporting these bogus charges on my credit report. They are also refusing to file the GAP insurance I purchased with the vehicle in the event of an accident, GAP would cover any additional charges that insurance didn't pay. I have not had possession of this vehicle since XX/XX/XXXX. This is not fair and should be illegal! Ally customer service is a joke! They will lie to you before you can take a breath. They all crooked and should be SHUT DOWN!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I have had joint bank accounts with Ally Bank for approximately 5 years, including 1 checking and 2 savings accounts. As of XX/XX/2018, Ally Bank has been holding our money hostage for 9 days. Due to a potential security breach, our accounts have been frozen since XX/XX/2018. We now have no way to pay our mortgage, student loans, car payments, credit card payments, insurance, etc. Several of our bills are now past due, making us appear to be irresponsible borrowers. We have called Ally 's customer service and loss prevention departments several times, but they keep giving us the run-around. When we've asked to speak to the retention department or a supervisor, or to have the problem escalated, they've told us they " don't have access to that information. '' It's absolutely asinine. The way this is being treated is completely unacceptable. We feel we have exhausted every resource with Ally Bank and now we need outside help. Detailed information about the issue below. XX/XX/2018 : My husband ( XXXX XXXX ) tried to use his XXXX debit card at a gas station pump. The transaction was declined. Worried that maybe his paycheck hadn't deposited, he tried to log into the app to check our account balance. It wouldn't let him log in. When we called Ally 's customer service number to find out what was going on, an employee told us that someone had called in impersonating my husband, trying to gain access to our account, so they locked out our account. The employee wouldn't give us any further information, but told us it would be researched and that someone would contact us within 2 business days to resolve the issue. ( That would have been XX/XX/2018. ) He told us that most likely, we'd be issued new debit cards. XX/XX/2018 : By the afternoon of the deadline they gave us to call us back, no one from Ally had called either of us. We were concerned we might have to wait until after XXXX XXXX to hear from someone, so my husband called Ally. He was told a woman named XXXX from Loss Prevention would be handling our case. She told him she was working on it and would have it resolved, soon. XX/XX/2018 : Having not heard back from the bank ( XXXX XXXX weekend ), I tried to call XXXX, but she appeared to be skirting my calls. The employee who did answer gave me a really hard time and was hesitant to provide any information to me. She finally told me that Ally was in the process of creating new accounts for us, which should take an additional 1-2 business days and that new debit cards should be mailed within 3 business days of that. I told her that would leave us without access to our money for 13 or 14 days, which was unacceptable. She told me that's just the way it is. XX/XX/2018 : I called again for an update as we had not heard back from Ally. They told me our case had been transferred to yet another person/department and that they had no further information for us. These are the dates and times I have called Ally in regard to this issue. I don't have the list of times my husband has called them. *NOTE : ALLY HAS NOT CONTACTED MY HUSBAND OR ME AT ALL. XXXX XX/XX/XXXX, XXXX ( Customer Service ) XX/XX/XXXX, XXXX ( XXXX in Loss Prevention -- wasn't in yet ) XX/XX/XXXX, XXXX ( general loss prevention number ) XX/XX/XXXX, XXXX ( loss prevention -- had to call back in a 3 way call with my husband because they wouldn't give me the information I needed. ) XX/XX/XXXX, XXXX ( general loss prevention number ; they referred me elsewhere ) XX/XX/XXXX, XXXX ( Customer Service -- I asked to speak to the retention department, but they instead tried to get me back in touch with the LP people who aren't helping. ) XX/XX/XXXX, XXXX ( XXXX in Executive Care -- left voicemail ) XX/XX/XXXX, XXXX ( general Executive Care number -- no one answered )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run. Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
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 vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A