Date Received: 2018-05-21
Issue: Problems at the end of the loan or lease
Subissue: Problem extending the lease
Consumer Complaint: My lease was up in XX/XX/XXXX. I extended my lease per attached, received the paperwork dated XX/XX/XXXX for 90 days ( 1 month at a time to be canceled at any time but not to exceed 3 months ) On XX/XX/XXXX I received the loan extension paperwork ( attached ) which was completed and returned with a payment ( attached ) on XX/XX/XXXX I received proof tha tthe vehicle was returned to XXXX XXXX on XX/XX/XXXX and paid off with subsequent lease XX/XX/XXXX ( proof attached ). Ally has since reported me 30 days late fro XXXX which is impossible for a few reasons. 1 ) i lawfully extended my lease and remitted payment for XX/XX/XXXX. 2 ) I returned the car prior to retaining the new lease for 30 days per attached. 3 ) I have attached the proof that Ally was paid in full XX/XX/XXXX for the car returned on XX/XX/XXXX ( still under 30 days, which I paid for anyways ). Regardless of any claim, as evidenced, none of the above happened in over a 30 day span which is proved with the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. He basically couldn't explain to me why I was charged .... Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXXXXXX XXXX XXXX in particular ) have searched my XXXX account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, Ally Financial 's collection agency has not been any better. They recently somehow found out I was working as a XXXX at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. On my most recent conversation with Ally Financial 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to graduate school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2018-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX. ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint. Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank. I had GAP Coverage on this vehicle, which was valid at the time of trade in. On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ). Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names. On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no. This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, WA to Look at a vehicle. I did a test drive and decided to attempt to purchase the vehicle by completing my financing at the dealership. I knew that I wanted to go through my credit union as I have had an extensive lending relationship with them. Before the credit was run, The salesperson asked if I wanted them to run it through my credit union and a few other lenders in an attempt to find financing. I agreed to this. I waited in the salespersons room and several minutes later he came back with a printout offering me 9.94 % at 72 mos. I told him no. I asked who the financing was through. He indicated another lender not my credit union. He said hold on and he will see if anything else had come back. I waited another 10 mins and he came back with another document showing a fee removed for XXXX dollars and a rate of 8.94 %. I asked who the financing was through. He said Ally Financial. I asked what happened with my credit union? The salesperson specifically told me that my credit union declined me because I had 13 collections on my credit report. I was shocked, as I just purchased a home 7 mos ago. I have worked extremely hard to achieve homeownership and was aware of 3 outstanding medical collections that have not prevented me from purchasing my home and did not prevent me from obtaining additional UNSECURED credit from my credit union in XX/XX/XXXX when i asked for money for a car repair. I was in disbelief from what the salesperson told me and asked him what my credit score was. He didnt know but went to get my credit info and showed me that XXXX was reporting me with a score of XXXX. I told him to just give me a purchase order and I would call my credit union on Monday to find out why I was declined. He begins to question me as to why I need to check with my credit union if they have ALREADY DECLINED me. I told him I need to have a Sr underwriter to review my loan, because clearly one is not available. Once again, he says what do I think a Sr. Underwriter is going to do when they have already declined me.He leaves the room and comes back with a purchase order. I was set to leave. I then called my brother who is also a car salesman, and I ask him about the car, especially the sales price and the value of the car. I ran some numbers and decided I wanted the vehicle. The payment was XXXX than I wanted to pay, but I was thinking I could take what was being offered at this time and refinance my loan shortly once I cleaned up whatever issue was causing me to be declined by my credit union. I discussed the decline with the salesperson again, and he told me they have had recent issue with my credit union financing another client because they would not accept income as Noted on the customers paystub, stating that the weekly gross did not match they year to date on the stub. I decided to sign the paperwork with the finance person and we also discussed my confusion of being declined by my credit union. He also went into detail regarding the same previous customer and the decline. I decided to call my credit union on Monday morning and spoke to a Sr. Underwriter and explained what transpired. I was completely surprised when I heard that my loan was approved the following day at its FULL loan structure. NEVER ONCE WAS I TOLD MY LOAN WAS IN REVIEW STATUS by the salesperson or by the finance person. If I had known my loan was in review, I would have waited for an answer. Even if that meant risking someone else buying the car. I made my decision based on the exact words I was told, that my credit union declined me because I had 13 collections. When in fact, they had not even made a decision. I feel that I was misled, profiled, and taken advantage of. The dealer has their best interest at heart the rate they gave me was almost 2 points higher than what my credit union is willing to offer. And I was advised that my rate was lowered from 8.94 to 8.74 % during the signing. I have no Idea how that mysteriously happened. I have tried to work with my credit union to rectify this situation to see if they can pull the loan back, but the dealer told the dealer rep the transaction was already e-funded. The general manager reached out to me and stated he wanted to hear both sides of the story. I explained my side but the conversation went nowhere. The salesperson vehemently denies telling me I was declined and says he told me my loan was in review. I asked the general manager what he was going to do for me, and advise him that I have previous experience as an underwriter myself and know that any deal can be unfunded, but his answer was that he wanted to hear both sides, and he would train his people to communicate correctly going forward. I asked him what that does for me? He did he was done talking with me. I stand by the fact that I did not make up what I was told. While I was doing the transaction I was texting to friends explaining what was happening and what I was told. I have screenshots of my conversations stating I was told my credit union declined me. I will admit to my error of not coming to a dealership with my preapproval, which i will NEVER do again. It did not cross my mind that I would be blatantly lied to. The General Manager did a great job of looking out for his employees. I applaud that. He even accusingly asked me if I was calling the salesperson a liar? My answer is yes. But my screenshots dont lie.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor. I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A