Date Received: 2018-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX,2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through ALLY FINANCIAL XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-20
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2018-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX 2017, I purchased a new vehicle which required a loan balance payoff from the dealership to the current finance company, Ally, on the vehicle I was trading in. When obtaining the payoff amount via phone, the representative was made aware of the new purchase, and it was agreed, of course, if the deal did not go through to completion, regular loan payments would resume ( there are no late payments recorded during my Ally auto loan ). The only correspondence received from Ally after that phone call was the letter stating the payoff of the loan was complete. When applying for a mortgage in XXXX, it was noted that the last payment on the Ally auto loan was recorded as late. I contacted the finance company, I believe on XXXX XXXX, to inquire about it. At that time I was told the payoff from the dealership came later than the original 10 day turnaround, which made the last payment late. At no time did I receive notification of the late process by either the new car dealership or from Ally. I then asked if Ally could remove the late payment, as they were notified of the payoff yet did not inform me of any tardiness in payment, especially with my good payment history. Additionally, they were aware a payoff was in route. I was told the request would be escalated to their credit review department. The reference number for that call is XXXX. I did not receive any written notification of their decision. When I started the underwriting process of my mortgage in XXXX XXXX, the late payment was still noted on my credit report. I made multiple attempts via phone to Ally to obtain a resolution. Each time I received the same answer of we will escalate it to the credit department. When I asked for written verification of the XXXX decision, no agent could find any such notifications on my account. During my first call on XXXX XXXX, I was told to expect a faxed letter in 48 hours ( call reference number XXXX ). When the letter did not come by XXXX XXXX, I called again. That was when I was told that not only could the reference number not be found, but that the information given to me on the XXXX was incorrect, as any letters could only be mailed ( in 3 to 5 business days ). At that point, I asked to speak with a supervisor with a promised call back that day ( call reference number XXXX ). I did not receive a returned phone call. Since the returned call did not come as expected, I called yet again on the next business day, XXXX XXXX. This is when I was told a supervisor phone call request was placed on my account, but would take 48 hours from the time of request ( no reference number required as no new action was needed per the agent ). While the agent had no new or different news to give me, that day I received a fax of a Credit Reference Letter ( also dated XXXX XXXX ) which indeed showed the last payment recorded as late. I decided to wait for my call from a supervisor. On XXXX XXXX, I received a faxed cover sheet ( just the cover ) with no other information attached. I attempted to contact the listed agents number as provided on the cover ; however the telephone extension was only 5 digits, and it required 7. ( Apparently Ally updated the phone system but did not update the listed contact information yet ). Since there was also an email address, I used that instead. While waiting for a reply, the Ally supervisor finally called. It was only then that I was told my original request ( in XXXX ) was denied, and the late payment removal would not be reconsidered. Additionally, he accused me of having this information already, which he states another agent told me verbally as evidenced by notations in their system, and he admitted Ally did not have any letters on file notifying me of the late payment while waiting for the payoff from the dealership. On that same day, while I did not receive a reply via email from the email I drafted, I did receive another fax. It was a letter dated XXXX XXXX, which was the result of the investigation in which my original late payment request was denied. The bottom line is I am requesting Ally remove the negative remark of a late last payment ( XXXX XXXX ) of my auto loan account with them. Not only was the company aware of the pending payoff from the dealership, but it did not alert me to the late payment status by writing, and instead chose to place a derogatory status on my credit report. Additionally, once Ally was notified of the error, it did not follow through by ease of customer service or proper investigation and reporting. Thank you for your assistance in the positive resolution of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-18
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Previously filed matter with XXXX. XXXX sold faulty product to dealership and ultimately fell on consumer. Matter was shared with lender, yet they disregarded matter entirely. Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. Mater was brought before lender through XXXX vs XXXX XXXX XXXX. Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. XXXX negligence, as well as lender disregard placed undue burden on consumer. Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. Vehicle shows noted signs of defect while driving. Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I cosigned on my daughters call loan., He loan is financed with Ally Financial. She makes her monthly payments however she uses the 15 days grace period in order to stretch her money between pay checks. I am constantly harassed by calls from Ally financial throughout the day. We have told them repeatedly to only call if she falls 30 days late. I do n't want calls if she is in her 15 days grace period. They continue blowing up my phone day after day until the payment is made. Today XX/XX/XXXX I received 2 phone calls between XXXX XXXX and XXXX XXXX. I tried to tell the lady that called that she is using her 15 day grace perod. This woman talked over me time and time again until I got angry and told her she was making me mad as she talked over me. in the middle of me telling her to stop calling unless it was 30 days late she put me on hold Very rude and unprofessional. I can assure you my daughter will make her payments but I am tired of being harassed. They even call me on Sunday 's which I know is n't against the law but again I am tired of it. I think someone needs to look into how many times their dialer is calling customers as this seems like harassment to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2018-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.
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: 2018-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: 5+ years ago I opened a 5-year CD with Ally Bank . In XXXX, Ally automatically renewed by CD for 5 more years and did not give me advance notice that this was going to happen. Now they want an early withdrawal penalty equal to 150 days of interest, and want to deduct 105 days of it from the principal because it 's only been ~45 days since they auto-renewed it. This amounts to $ XXXX. I called them on XX/XX/XXXX telling them I did n't know they were going to auto-renew it and that I did not want that to happen. They told me that on XX/XX/XXXX they sent me a notice telling me this would happen. I logged into my account ( on my XXXX phone through the Ally Bank app like I typically do ) and looked through both the secure messages section and statements section -- there 's nothing from XX/XX/XXXX. The phone agent told me I should have gotten an email telling me that I had received a notice, which upon searching my email I found ( it probably got filtered to the " Promotions '' section of my XXXX or something ). The email is as follows : Subject : " You have new correspondence in online banking '' Body : " To view your correspondence log in at ally.com and select More. Then choose Notices. '' So I went back to the app and there is no " More '' button or " Notices '' section. I then opened the web browser on my device and signed in to ally.com - here, there is a " More '' section, but it does not have a " Notices '' section there, nor is there a Notices section anywhere on the site. The phone agent then explained that I needed to access it from a laptop or somehow trick the website to give me the desktop version of the site by configuring my browser to pretend it was a laptop computer. Long story short -- both the mobile version and the website when accessed from a mobile device do not show this " correspondence ''. The statements that I *can* access from the mobile app and website do show my CD, but they also do n't mention that the CD was going to auto-renew. I also got an email when the CD matured as follows -- it made it sound like the CD was not going to auto-renew and that renewing was optional ( it only says that the loyalty bonus was " automatic '' ) : Subject : " Notice : Your Ally Bank CD is maturing '' Body : " Your CD is maturing soon. Here 's what you should know. Dear XXXX, You recently received a CD maturity notice that provided important information about at least one of your CDs. If you renew your CD at maturity into any CD term, we 'll automatically add a loyalty reward of 0.05 % to your new rate. Your Ally CD that is eligible to receive a rate increase : CD Account Number CD Type CD Term Maturity Date XXXX HYCD 60 months XXXX XXXX, 2017 Here 's what you need to know : Your 0.05 % rate increase will be added to your new CD 's rate after the Ten Day Best Rate Guarantee period to ensure you maximize your earnings with us. This means if our rate goes up for your term and balance tier within ten days of opening your account, you 'll get the better rate. The loyalty reward at renewal is automatic, you do n't have to do a thing. Any money you add at renewal receives the increase too. Plus, you can renew into any CD term we offer. You can manage your renewal online by logging into your Ally Bank account and selecting Manage CDs from the Main Menu Menu, or just give us a call. Thank you for your continued loyalty with Ally Bank. '' Besides not being aware that the CD was going to auto renew, Ally renewed it into a CD with a much higher early withdrawal penalty. The original CD had a 60 day penalty, but the new one had a 150 day penalty -- 250 % more -- and because the rate they renewed me into was 75 % higher, the early withdrawal penalty is $ 1100+ even though the early withdrawal penalty under my old CD 's terms was ~ {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2018-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A