Date Received: 2018-03-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was paid in full from a insurance claim from XXXX XXXX. Ally financial received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, Ally said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. Ally does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from Ally. All that I want is Ally Financial removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe Ally Financial any money. XXXX XXXX XXXX paid Ally financial in full
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have paid these individuals ( Ally Financial ) XXXX for my XXXX XXXX XXXX ... I worked out a defferment back on XX/XX/XXXX that was supposed to defer any and all interest & late fees until XX/XX/XXXX SO THAT I COULD THEN PAY OFF MY VEHICLE FOR ANYWHERE BETWEEN {$1400.00} - {$1800.00} ... .Now its the XXXX of XXXX and they are saying now that I have {$760.00} something in LATE FEES AND THAT IM BEHIND ON MY PAYMENTS?!?!?! TRY CALLING TO SPEAK TO A MANAGER AND GET HUNG UP ON 4X?!?!??! What kind of Multi Billion Dollar company treats people this way??!!??!! This is not the first time this has happened ... their customer service is HORRIBLE, NOT TO MENTION YOU CAN NOT UNDERSTAND THEM BECAUSE " XXXX, XXXX OR XXXX " IM SURE,,, THEY HAVE SUPER BROKEN ENGLISH AND THEY ARE TRAINED LIKE ROBOTS TO JUST KEEP STATING THE SAME THING OVER AND OVER AND OVER ~ THEY DO " NOT '' LISTEN TO YOUR ISSUES NOR TRYING TO SOLVE THE PROBLEM AND WHEN YOU ASK FOR THEIR MANAGER THEY HANG UP ON YOU?!?!?!??!?! AFTER BEING ON HOLD FOR UP TO 40 MIN AT A TIME!!!! MINE & MY FIANCES TIME IS EXTREMELY VALUABLE AND WE ARE MISSING TIME AT WORK TO BE ON HOLD. SO WE CALL ON SATURDAY AND THE RECORDING SAYS " OUR HOLD TIME IS EXTREMELY LONG AT THIS TIME, YOU MAY WAN NA CALK BACK OR GO ONLINE?!?!??! '' WHAT THE HECK IS THAT?!?! WE JUST MOVED WE ARE TRYING TO DO THE RIGHT THING AND THESE INDIVIDUALS XXXX IT UP!!!!! EVERY SINGLE TIME, THEY DO NOT NOTATE ANYTHING SO YOU HAVE TO REPEAT YOURSELF OVER AND OVER EVEN WHEN YOU ASK THEM TO DOCUMENT THE CALL ... I JUST WANT TO BE DONE WITH THIS COMPANY AND GET MY TITLE TO MY CAR THAT HAS NOW ALMOST BEEN PAID FOR TWICE!!!!!! I WOULD NOT SEND MY WORST ENEMY TO ALLY FINANCIAL OR ANY OF ITS AFFILIATES IM SO DISCUSSED AT THE AMOUNT OF MONEY I HAVE SPENT ON THEIR MADE UP " LATE FEES AND FINANCE CHARGES!! '' ITS TRULY WHY THEY ARE A BILLION DOLLAR COMPANY ... THEY ARE THIEVES THAT ARE TAKING ADVANTAGE OF HARD WORKING AMERICANS THAT BUST THEIR HUMPS TO PAY FOR THESE OBSURRED CHARGES. I OWED {$1800.00} IN XXXX I DEFFERED UNTIL XXXX ( SO I WAS TOLD ) AND NOW I " OWE '' {$3900.00} & I WAS ONLINE ~ I WENT TO PAYOFF ACCOUNT AND IT TELLS ME {$4200.00}?!?!?!?!? I GIVE UP. THIS IS NOT RIGHT MY STICKER PRICE WAS {$11000.00} ... I HAVE PAID {$17000.00}!!! HOW IS THIS JUSTIFIED?? PLUS I HAD A CO-SIGNER ON THIS LOAN!!!!!! Ultimately, it's demoralizing when TRAINED customer services and collections specialists don't NOTATE phone conversations, nor save their recorded lines ( which by law they must ) which would validate my claims and proove that they are COMPLACENT and neglect in facilitating there jobs. Furthermore, time is MONEY, and when you must take one and a half hours minimally to call XXXX XXXX, DURING THERE BUSINESSES HOURE AND GET NOTHING ACCOMPLISHED, any individuals would be upset. When calling in knowing the company seems to be running racket and perpetuate the problem with no recourse. Most importantly, any TRAINED specialists should not be bias to an upset consumer by placing on long holds, eventuality hanging up THE line and intentionally not documenting the conversation because they didn't like a disgruntled tone. A class action suit should be placed against such banks as ALLY whom participate daily in infair tactics and UNETHICAL and UNAUTHORIZED CHARGES taking ADVANTAGE of ones poor credit score and purposely not solving the problem so they can charge extra fees and finance CHARGES as well as hidden FEES. A 5 year loan has Turned into over 6 years. Countless hours on phone and even job loss for taking extended breaks trying to resolve my billing issues. Please take this not at as a desperate plea for alterior motives. Its principal, morals, ehtics and the law that is being encroached upon and broken by ALLY Bank. I would like to be compensated in a manner indicative of said claims ; time, money job loss emotial distress from these foreign customer service reps. Hired intentionally by these banks. Internet on line, thousands of people have made similar complaints about ALLY BANK / XXXX XXXX Thanks for the opportunity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. Ally Financial was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and Ally Financial to have it removed from my inquiry no action was taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I purchased a brand new XXXX XXXX XXXX from XXXX XXXX here in XXXX Arizona. The financing was supposedly through XXXX XXXX or XXXX XXXX. On XX/XX/XXXX XXXX XXXX calls me down to disclose XXXX XXXX had denied my loan as well as XXXX XXXX and XXXX XXXX XXXX XXXX. Any who, XXXX finally end up with Ally Financial On XX/XX/XXXX as my financer. On XX/XX/XXXX I paid {$500.00} to cover first month payment so I assumed that {$500.00} would now transfer to Ally Since thats where I got the loan. My first actual payment was due on XX/XX/XXXX. I had already set up auto pay with ALLY on XX/XX/XXXX Once XX/XX/XXXX come I receive email confirmation that my full payment of {$500.00} has been received and paid. Later, on XX/XX/XXXX I receive harassing phone calls from Ally Stating I still owe my {$500.00}. Ally also threatens me with repo. I had explained that I set up auto pay and have already made payment on the XXXX as well as I have the confirmation to prove it. They stated that, that email means my payment is processing and did not go through. They also try to get me to make my payment of XXXX again over the phone with a debit card that charges another {$8.00} fee to run my card. All they want is money. I did NOT receive any email, confirmation, or notification that my payment was denied, declined, or did NOT go through. I only have confirmation payment went through. So then on XX/XX/XXXX I make yet another payment for {$500.00} and the email confirmation process is the exact same as my first payment made on the XXXX. So if the first email confirmation means Payment processing ( which is false because it does not say that ) well how come I didnt receive other emails when the Payment Clears. When I ask these questions the representatives they sit in silence. There are no answers. So at this point an time I have paid Over {$1500.00} to this company and my screenshot from ALLY shows that only 1 payment of {$500.00} has been received and of that {$500.00}, {$440.00} was taken out Ally Finance charges and only {$59.00} had been applied to the principle of my loan. Still have no answers from them on where my other {$1000.00} went and I have receipts/confirmation of them. At this point and time I start to do more research and I find that they reported to the credit bureaus that I opened my account on XX/XX/XXXX. That is false it would be XX/XX/XXXX. I also see they didnt do an initial pull on my credit to qualify me for this loan according to XXXX. I believe they are attempting to charge me interest back to that date but not sure. I also never signed or agreed to Allys Privacy policy as they share/sell my information to affiliates and NON AFFILIATES. They stated I have the option to opt out I never signed, stated, or agreed to be opted in To begin with. Since this loan I now receive random phone calls from unknown numbers and robo calls. Also their customer service is horrible and I found out they are located in the XXXX as they barley speak good English. This is a conflict of business due to the fact they cant understand me and I have a hard time understanding them. Also this company only has emails, phone numbers, and P.O boxes. Why doesnt this XXXX XXXX XXXX have any physical locations and operate out of the United States? There is no transparency and this makes sense because they are taking peoples money and cant be found anywhere. Also to find out I have a very low credit score and this bank never verified my income or occupation they just gave me the loan. I see they are being investigated for auto loan fraud and credit reporting fraud Also they showed and stated what the APR rate for this loan was and in fine print is talks about how the APR is applied but nothing about the interest rate. I forgot to mention that on one of my 6 phone calls I have made to ALLY since XX/XX/XXXX I demanded to speak with a manager and they kept passing me down the line to other customer service reps and then finally to the consumer relations department. Never got me a manager. Finally the man by the name of XXXX in their consumer relations department set up a call back for a supervisor to call me and stated it would take 24-48 hours. To this day I never received a call. I then called on XX/XX/XXXX asking why I never received that call and ALLY stated THEY DID NOT HAVE MY PHONE NUMBER. This company gave me an auto loan and stated they dont have my phone number, as well they did not verify my income or occupation. I feel Im being targeted based on my poor credit and they are falsifying documents to make me pay more money. I went back to XXXX XXXX Where they set me up with this company and they dont care to help me at all. There are so many questions and nothing is being done. I am clearly part of fraud and as I look more online every customer with ALLY experiences the exact same problem. How many rules and laws can this company violate before something is done about it? Please help I have no other resources or money to go about this company on my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 898XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A