Date Received: 2018-01-14
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2018-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2018-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff. Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: NEW AND DIFFERENT COMPLAINT AGAINST ALLY FINANCIAL INC . WHERE ALLY FINANCIAL INC., HAS WILLFULLY REPORTING FRAUDULENT INFORMATION TO THE XXXX CREDIT REPORTING AGENCY TO BE RECORDED ON MY CREDIT BUREAU FILE. Per the attached PDF file, is a copy of my credit bureau file as reported by XXXX Credit Report Bureau. Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby of 81 months payment history, states NO derogatory for the last 81 month payment history. Months reviewed to be 41 months. Exhibit ( One ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX. Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months. Exhibit ( Two ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX. Ally Financial on XX/XX/XXXX reported CHARGE OFF and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 43 months. NO reported delinquencies from onset of lease to end of lease in XX/XX/XXXX after 43 month review by ALLY Financial. Exhibit ( Three ). Term of Lease, 36 months XX/XX/XXXX ending XX/XX/XXXX, the vehicle was returned to the dealer on XX/XX/XXXX after being advised by ALLY Financial on instructions to prepare to return vehicle. Knowing for the forthcoming XXXX Holidays that I would be out of town, I chose to return vehicle on XX/XX/XXXX. My final lease payment was made. In good standing as reported. My final lease payment was recorded by ALLY Financial on XX/XX/XXXX and the vehicle was turned in the following day. ALLY financial has reported to my credit bureau agency file, that I was in good standing. On XX/XX/XXXX Ally Financial reported a fraudulent CHARGE OFF and reported date of first delinquency XX/XX/XXXX in the amount of {$3100.00} and Date Major Delinquency XX/XX/XXXX Whereas, Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed of 41 months and Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months. If the DEBT WAS VALID, ALLY Financial would have violated and to failed comply with the FEDERAL TRUTH AND LENDING Laws and delinquency aging of accounts before Charge off. XX/XX/XXXX Delinquency : 1 29 days, XX/XX/XXXX 30 59 days, XX/XX/XXXX 60 89 days, XX/XX/XXXX 90 119 days, XX/XX/XXXX 120-179 days, XX/XX/XXXX 180 days 80 days delinquent is required to declare my alleged account as being charged-off. Not XX/XX/XXXX The Truth in Lending Act ( TILA ) protects a consumer against inaccurate and unfair credit billing and credit card practices. Your credit report affects a consumers ability to get a loan as well as the interest rate you will be required to pay. Congress has passed credit reporting legislation to give a consumer access to their credit information and to protect a consumer from unfair, fraudulent, or deceptive credit practices Ally Financial Inc., is willfully reporting fraudulent information to XXXX Credit Reporting Agency, XXXX Credit Bureau and XXXX Credit Bureau reported to my credit bureau files as the balance that was charged off. I also filed complaints to the CFPB under # s XXXX and XXXX, as ALLY failed to prove the balance owed. Ally Financial violated their own terms and conditions of the lease agreement under Section 8 for billings. I was never billed under Section 8 for any excessive mileage charges when lease was terminated in XX/XX/XXXX, as prescribed in section of the lease agreement. Their charge off amount is Ambiguous and Fraudulent. Ally Financial Inc., is in violation of their own lease agreement and where I have complied with their terms and agreement of the lease agreement. I paid every month on the lease agreement for 36 months. I never have been billed under Section 8 as required under the lease agreement for excess mileage on an annual basis. Ally Financial Inc., must report the true facts of my payment history and prove the alleged debt under section 8 of the lease agreement as no such billings as in penalties for excess mileage as required on a annual basis that each year where the mileage excess 12, 000 miles. There is no valid charge off under the terms and conditions of the lease agreement and must be sanctioned for such consumer protection violations as I never have been billed under Section 8 as required under the lease agreement.
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: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A