Date Received: 2018-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally is reporting to XXXX monthly since XX/XX/XXXXof an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXXI was made aware of the ally account and several other accounts reporting to my credit report but only to XXXX All of the accounts that did not belong to me was from one individual however its only showing on XXXX report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both XXXX and ally and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. XXXX is blaming Ally and Ally is blaming XXXX. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39208
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY LAW!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX in funds, I don't have access to my own money. Ally bank is holding my money XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : ALLY FINANCIAL ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: An auto lease agreement was entered into on XX/XX/XXXX through XX/XX/XXXX between myself and XXXX XXXX, 39 monthly payments at {$550.00}, totaling {$21000.00}, plus $ 31- {$33.00} monthly sales tax when State applicable. This lease was paid in full. I relocated to XXXX from XXXX in XX/XX/XXXX, and properly notified XXXX XXXX by phone and with a Power of Attorney request faxed to XXXX XXXX in the Retitle Department. On XX/XX/XXXX, XXXX XXXX sent the title to the DMV ( XXXX, XXXX ) via XXXX. In XX/XX/XXXX, now residing in Maryland, I was notified by the DMV that XXXX County Department of Tax Administration ( FCDTA ) had a registration hold on my account for unpaid property taxes. I called FCDTA and was directed to contact the lienholder, XXXX. Initially, Ally Financial ( formerly XXXX ), claim it had not received notification that the vehicle was moved to another state, or a tax bill from FCDTA due its address change and/or relocation of its XXXX, MD, headquarters to XXXX, Michigan. I re-contacted FCDTA on XX/XX/XXXX, and XXXX XXXX, supervisor, reconfirmed that XXXX failed to pay the taxes, and as a result, {$350.00} in penalties, interest and collection fees had been assessed. A copy of the correspondences with XXXX XXXX was faxed to XXXX XXXX, and upon realizing XXXX error, she removed the registration hold and collections report with the credit bureaus. She also said she would contact Ally for payment. I called Ally and advised that the vehicle had been retitled in XXXX, and tax bill remain delinquent. The representative informed that a speeding ticket paid on my behalf would appear on the next billing statement. The license plate number did not match mine, and was issued by a state I had not visited. I explained I had not received any traffic citations, and requested a copy of the violation and tax bill with proof of payment. The documents were to arrive in 3-5 business days, but never did. Numerous calls and requests to escalate the matter to executive support for assistance were made, and a letter was also sent regarding the mishandling of my account and erroneous billing. Ally responded with a list of E-85 stations in Georgia, where I no longer resided, instead of Maryland ( originally requested in XXXX ), and a copy of my recent billing statement, not requested. Ally was extremely disorganized while merging its departments, operations, and offices with XXXX. I submitted the dispute via the XXXX in XX/XX/XXXX, and only then did Ally send a copy of the tax bill, citation, and a duplicate of the E-85 stations in Georgia. The tax bill ( stamped received by Ally on XX/XX/XXXX ) included the late payment penalty, {$280.00}, interest {$15.00}, and collection fee, {$50.00}, Ally had long denied. According to XXXX XXXX XXXX, the account was cancelled out on XX/XX/XXXX and returned to the County of XXXX, unpaid. The citation tuned out to be a photo enforcement ticket issued by the District of Columbia ( DC ), which Ally paid on XX/XX/XXXX, not in XX/XX/XXXX, and {$50.00} not {$100.00} as it claimed, according to DC-DMV record. The Lease Agreement allowed 15 days to pay or contest charges for fines placed on the vehicle once notified. The information originally provided by Ally had no connection with my SUV, and notification for a second photo enforcement ticket issued by the same authority on XX/XX/XXXX, was sent two months later, see attached letter. Ally attempted to collect {$250.00} on XX/XX/XXXX, which I learned from DC DMV was originally {$120.00}, and that the {$250.00} Ally paid on XX/XX/XXXX included a {$120.00} late fee assessed in XX/XX/XXXX. The erroneous billing and promises to provide documentation for charges was ongoing, which the company failed to correct as promised. In XX/XX/XXXX, Ally billed {$300.00} miscellaneous fee and {$190.00} photo summons. After a lengthy research period, in XX/XX/XXXX, Ally advised that {$280.00}, not {$300.00}, was the remaining balance from the property taxes. I paid {$280.00} on XX/XX/XXXX, and after my last lease payment ( ended XX/XX/XXXX ), the company advised of a final amount due of {$420.00}, which I paid on XX/XX/XXXX. A notice dated XX/XX/XXXX indicated a balance of {$2200.00}. Upon contacting Ally, I was told that {$1700.00} remained on the property tax bill and {$460.00} for summons. I have no legal obligation to pay {$350.00} in penalties, interests, and collection fees that were assessed by COF as a result of XXXX/Allys negligence ; {$280.00} in late fees due to Allys negligence to give property notification on citations ; or demand for payment of {$1400.00} it has been either unable or unwilling to explain. I have repeatedly asked for a printout of my account, letter acknowledging receipt of the XX/XX/XXXX and XX/XX/XXXX payments, totaling {$700.00}, and copies of all photo enforcement citations to no avail. Not attempt has been made by this company to resolve my concerns, as it claims in its responses. I have only received incorrect information from customer service representatives, and acts of retaliation. Ally has not honored any of my requests to speak directly with someone in is executive office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX ALLY FINANCIAL, INC pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. FromXX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( ALLY FINANCIAL, INC ) and they could not release information because some of the information did not match what I what information I had. However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018 Ally Financial ran my credit report without my authorization. I applied for a car loan for lease and I gave XXXX XXXX approval to run my credit report, not Ally Financial. This needs to be removed Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A