Date Received: 2018-02-24
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: Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ok. The issue is that this company has not been charging the amount of interest monthly that it was agreed since the beggining of the loan back in XXXX when it began, so the total amount for the loan was originally for {$27000.00} for a total amount of 72 months at an interest rate of 13.55 %. and I had paid {>= $1,000,000} in total payments and they say that I still so up till this day the say I own {$7000.00} cents, and that I have 14 payments left from a total of 72 payments, from which I had made according to them 58 payments, which is not including the extra {$5100.00} only for principal payments that I had sent to them in separate checks besides my montly payments so that my remaining principal balance can go down, from before doing this extra payments I made sure I called them and I spoke on the phone with the representative and make them assure me that the extra cash payment ( besides my montly payment included on the side ) was only going to go to the remaining principal balance from the car, and they always agreed on the phone that it was all going to go for the remaining balance since I was also paying the monthly loan amount for that time with the interest they charge separate, it was not until later I went and I check my account and I saw that they always took certain amount from my lump sum payments that we agreed on was only to go for principal so when I called to dispute this with them they say that they were sorry for that error and they were going to send a message to the head department and get back at me, which they never did, then I called back again and still, they told me that they charged the interest for the payment in advance for my next payments, so I was like what!!! so I told them basically the do whatever they decide and do whatever they think is the interest or fee charging me for the month. I had noted that they charged back in XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, more than two months just the entire amount agreed monthly of {$550.00}, THE ENTIRE AMOUNT WAS PUT TO FINANCE CHARGES ONLY AND NOTHING, NOTHING TO MY MONTHLY PRINCIPAL BALANCE! THEN XX/XX/XXXX, THEN XX/XX/XXXX THE THAT SAME YEAR IN THEN XX/XX/XXXX THEY CHARGE {$430.00} ONLY FOR FINANCE CHARGES FOR THEM AND FOR MY BALANCE ONLY {$120.00}, ALSO I NOTICED THAT LETS SAY ONE MONTH THEYLL CHARGE {$300.00} FOR FINANCE, THE NEXT MONTH THEYLL CHARGE {$400.00} AND THE NEXT MONTH LETS SAY {$210.00} FOR EXAMPLE. THEN I MADE BACK IN XX/XX/XXXX A PAYMENT ON {$2500.00}, I HAD SENT TWO SEAPARATE CHECKS ONE FOR {$2000.00} AND ONE FOR THE MONTHLY PAYMENT {$550.00} AND I HAD TOLD THEM AHEAD OF TIME THAT THE {$2000.00} WAS FOR PRINICIPAL ONLY, LIKE THE ALSO ANOTHE TWO MORE LUMP AMOUNT PAYMENTS OF {$2000.00} IN THIS PAST XX/XX/XXXX AND OF {$1100.00} ON XX/XX/XXXX AND ALSO I HAD PAID THE MONTLY AMOUNT FOR THSI REASON THEY WONT TAKE ANY MONEY FROM MY LUMP PAYMENT AND MY REMAINING PRINCIPAL BALANCE WILL GO DOWN AND IT DIDNT BECASUE THEY TOOK {$290.00} FROM THE {$2000.00} AND ONLY PUT TO MY REMAINING BALANCE A TOTAL OF {$1700.00} AND FORM THE {$1100.00}. XXXX CHECK THEY ALSO TOOK FROM THERE THE AMOUNT OF {$260.00} CENTS PUTTING ONLY {$830.00} TO MY REMANING BALANCE, BESIDES ME MAKING AND ALREADY PAYING FOR MY MONTHLY PAYMENT AND THE SUBSEQUENT INTEREST THEY CHARGE MONTHLY. PLEASE BE AWARE ALL THIS WAS DONE IN THE SAME PAST MONTH OF XXXX AND CALLED A FEW TIMES ABOUT THIS ISSUE AND THEY DIDNT RESOLVE IT AND SAID THAT THEY WERE SORRY FOR THAT AND THEY WERE GOING TO FIX IT AND GET BACK AT ME, AND IM STILL WAITING, ALSO I HAD TOLD THEM THAT I NEEDED THEM TO MAIL ME A FULL STATEMENT OF MY MONTHLY PAYMENTS SINCE BEGGINIGN AND GIVING ME RUN AROUDN THEN WHEN I WENT ONLINE I COULDNT ACCESS MY ACCOUNT IN LIKE 2 DAYS AND I WAS NEVER ABLE TO SEE THE SPLIT FEES THEY WERE ALWAYS CHARGING BECAUSE EVERTIME THE SEND ME A PAPER STATEMENT NOTIFICATION OR I WENT ONLINE I WAS NEVER ABLE TO SEE HOW MUCH OF MY MONTHLY AMOUNT I WAS PAYING FOR FINANCE AND PRINCIPAL, THEY NEVER SEND AN ENTIRE DISPLAY OF THE SPLITTING OF HOW MUCH FINANCE I WAS BEING CHARGED PER THAT MONTH ( WHICH THEY CHANGED CONSTANTLY EVERY MONTH THEY DID, IT WAS NEVER A SPECIFIC AMOUNT IT WENT FORM AS LOW AS {$86.00} MONTH TO CHARGING THE ENTIRE MONTLHY AMOUNT OF {$550.00} ONLY TO FINANCE, NOTHING TO PRINCIPAL!!!!! NO WONDER WHY I NEVER GET TO SEE MY LOAN GOING DOWN. SO LETS SAY IF THE TOTAL THAT I WAS SUPPOSED TO PAY THEM FOR 72 MONTHS AT A 13.55 % RATE FOR A LOAN AMOUNT OF {$27000.00}, FROM WHICH I HAD MADE MORE THAN 58 PAYMENTS AND I HAVE 14 PAYMENTS LEFT, I ALREADY PAID ACCORDING TO THEM {$32000.00}, SO I ONLY OWE THEM {$7000.00}, AND IF I ALWAYS PAD MY LOAN EVEYR MONTH, WHERE DID THE LUMP SUMS OF {$5100.00} I HAD PAID SEPARATE BESIDES MY MONTHLY PAYMENT SO MY PRINICIPAL CAN GO DOWN, WHERE DID THAT MONEY GO AND WHY IF I ALREADY MADE 58 PAYMENTS OF {$550.00} BESIDES THE {$5100.00} ( {$2000.00} check, XXXX XXXXcheck and {$1100.00} ), IM STILL OWING THEM THE SAME AMOUNT OF {$7000.00}, SO WHERE DID THE {$5100.00} SEPARATE LUMP SUM PAYMENTS GO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10703
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. The front line customer service rep made a mistake and canceled my current card without my permission. Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. There is a distinct possibility that I could end up across the world without access to cash. This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over the last two day I have received 15 calls from Ally Financial. I work night shift and the times that they call I am sleeping and they do not leave a message. They call just about every hour on the hour. I have previously talked to them back in 2017 about the obsessive calling and not leaving messages
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. XXXX XXXX XX/XX/16 Ally XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX XX/XX/16
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A