Date Received: 2018-02-10
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: Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
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: Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Closed 2012 - still reporting ... ... Delete acct. Acct in good standing
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: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I wrote to Ally about late payments on my auto account, asking them to verify and show proof in writing of my signature to verify my late payments. I gave them several opportunities in the past year to show me this information even though the FCRA gives them 30 days frIm the time of my first request sent by certified mail to show the date. They have never shown me validation of this debt, just internal reports showing that they have in their records that I was allegedly late with 7 of my payments out of the 84 that I made. They have no need or no use to continue to report this illegal information since they didnt verify my signature stating my obligation to repay the debt in the 30 day period previously mentioned. This is a closed account paid in full. They are not acting in good faith to remove these illegal entries of my allegedly being late with payments. I always maintained contact with Ally throughout the course of the loan and paid back every cent of my obligation. Please direct this company to remove these incidents of 30 and 60 day lates that only cause harm to my rebuilding credit. They are on there illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02180
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: Ally Financial had agreed to take off all 5 late fee 's ... On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: CFPB Complaint submitted XXXX Gentlemen, A brief description of our case is about unknowingly .entering into a fraudulent business agreement with a private financial consultant firm, XXXX XXXX XXXX XXXX XXXX XXXX . Later during the business process suspicion turned into reality when specific and or nonperformance of contract, & the preparation of the Family Office, the Investments, wire transfer fraud, unauthorized credit cards purchases, then finally the theft of two vehicles, computer and office equipment, Security Instruments, and other personal property. ( Which have been documented with the XXXX XXXX Police dept. and the XXXX County Prosecutors Office ) For the past year we, have been corresponding with the two finance companies since XX/XX/XXXX, with XXXX XXXX , & Ally Financial, the finance companies, and we're paying minimum on approx. 22 credit cards.. Their inaction has caused great hardship to me and my family. Has caused undo emotional stress and a horrible financial burden and mental duress on me and my whole family. We still are continuing as recently as XX/XX/XXXX relentlessly with letters to the two finance companies to the with XXXX XXXX, & Ally the financial companies involved to reopen the accounts, restoring the credit limits, removing the fraud charges, removing the erroneous derogatory credit notes on my and my wife 's credit reports. But to no avail the erroneous derogatory information is still reported on the credit reports and keeping our FICO scores down, even though we've been completing all of their forms, letters of dispute and submitting to them all the records they requested about the incident .However theyre steadfast with their low credit score ( s ) that they keep reporting every single month since the fall of XX/XX/XXXX. To date. The Financial Co.s acting in bad faith are XXXX XXXX , and Ally Financial, to facilitate the theft claim. Although since the fall of XX/XX/XXXX, we have hired a credit repair expert XXXX XXXX to help us mitigate the damage ( that snow balled lack of participation ) the finance companies and the insurance company they have had no positive effect on our credit score and reports. After spending over $ 3,000.Dollars in fees. The FICO scores for XXXX and XXXX were XXXX, & XXXX, prior to the fraud to XXXX & XXXX today. Summary of issues : 1 ) Theft of 2 SUV vehicles XXXX claim denied, XXXX and Ally send notice of repossession sent to credit bureaus XXXX action contributed to low FICO scores. Low FICO scores snowball to credit cards and credit lines reduced or canceled, interest rates go up on balances. 2 ) Wire Fraud {$50000.00}. 3 ) Credit Card Fraud, {$230000.00} certain credit card companies denied fraud charges 4 ) Identity Thefts 5 ) Security Instruments Fraud and theft 6 ) Computer and Office Equipment 7 ) Credit card companies closing accounts 8 ) Credit card companies denied fraud charges 9 ) Credit card companies lowering or removing available credit limits Low scores snowball to credit cards. lines on several credit cards, Thus changing the balance to credit limit. Causing credit cards closures and drastically reducing available credit and raising the interest rate on the balance due. ( Draconian Banking Penalties on consumer loans ) 10 ) The XXXX XXXX , & Ally Financial, are steadfast in maintaining their derogatory postings on the three national credit reports. action contributed to low FICO scores. Low FICO scores snowball to credit cards 11 ) The erroneous status of the two finance companies is preventing me and my wife from obtaining necessary financing, causing a Hardship on me and my family. ( XXXX denied claim contributed to the low FICO score )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A