Date Received: 2018-02-27
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 have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is the letter we just mailed to ALLY Financial. As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are many Hard Inquiries in my credit report that I am not familiar with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
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: My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX - XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. I NEVER had an account ALLY FINANCIAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A