Date Received: 2018-01-07
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: the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2018-01-07
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: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I contacted Ally financial at XXXX the beginning of XX/XX/XXXX, stating I was in the hospital for 3 almost 4 months and that I was waiting on my XXXX XXXX XXXX from work and that I also was going to get a loan from my 401k to pay my car payment to catch up what was past due. They understood and I was in constant contact with them. I called them XX/XX/XXXX stated I received a check from work and that I was going to XXXX XXXX per their request and was going to make a payment of {$2500.00} but I did not know the fee to do so was {$9.00} so I made {$2400.00} payment. I never done XXXX XXXX before so, I was very nervous about doing the payments this way. I made the payment and was given a track # XXXX and the clerk said it was sent. I called Ally Financial on XX/XX/XXXX and asked how much was left that I needed to pay on the car to be up to date on my payments. They said they sent the money that I sent XX/XX/XXXX back because it was not the correct amount and so, I needed {$4100.00} now to be up to date on my payments. They also said, that they tried contacting me when I called them stating the amount I was making was n't going to be enough. I got off the phone with them contacted XXXX XXXX at XXXX and the operator stated that Ally Financial indeed did receive the money. The operator said she would resend the money if that was the case and that she would make a note about the issue and she got clearance from her supervisor. Well, I contacted Ally back and told them what XXXX XXXX had stated and the person from Ally stated they do not have the money. I said, well XXXX XXXX said they will resend it and that you should receive the money in 24-48hrs. I also, told Ally XXXX XXXX said if they are okay taking 2 separate payments they would do 2 separate payments. Ally agreed to take separates payments. I said I am going to send the rest that you said is needed so it will get to you at the same time you get the other payment. I sent {$1600.00} through XXXX XXXX tracking # XXXX and I thought I was caught up on the payments. XXXX XXXX. I woke up to my car being gone. I thought it was stolen and I was going to call the cops but something told me car Ally first and ask if they took the car and I did and they said yes. I was upset because all my belongings are in the car. My grandson 's carseat, my work I.D., my GPS everything. I had no clue they were going to repossess my car. I did not get a letter nothing. The repo company did not knock on my door, nothing. Ally gave me a number to contact the repo company XXXX to try to get my personal belongings back. I called them and they took my name and number for a XXXX to contact me. XXXX contacted me stated I have to make a appointment to get my belongings. I made appointment ( but unfortunately have to try to find a ride ). The Repo place is an hour and half away.XXXX XXXX XXXX , XXXX Pa XXXX phone number XXXX. I contacted XXXX XXXX again and requested a refund of both transactions. I feel this was a wrongful repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) XXXX
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: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 1. My sons name on his CD ( minor ) was spelled incorrectly. 2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE COMPANY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable. Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A