Date Received: 2017-12-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally Financial IncXXXX provided me a loan for a XXXX XXXX XXXX. In XXXX me and the company agreed on a XXXX XXXX XXXX XXXX. I had 10 days to pay {$190.00} to finalize this agreement which expired on XX/XX/XXXX. I paid the balance on XX/XX/XXXX. In the agreement it states, " all remaining scheduled payments have been extended by 60 days. The next scheduled payment would be XX/XX/XXXX for {$200.00}. After receiving 5 phone calls from their debt collection department on XX/XX/XXXX which start at XXXX - XXXX. I received a phone call the day after XXXX at XXXX, I told the representative that I had already agreed to a payment plan and I had until the XXXX to pay it. I was told that the agreement was closed by the representative. Then I was told that I could go ahead and make the payment but the extension department would have to re-evaluate the extension and get back with me in three days. When I talk with different representatives documentation is n't taken properly and the communication is extremely poor. I had until the XXXX to pay the remaining balance but the collection office closed my extension agreement prior to the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-24
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I was rushed into the car by a dealer and financed by this company I was told after talking to at least five XXXX people offshore that I paid over 26k in interest but they dont refinance they compound daily on the amount owed or proposed owed. I was then sent to the re write department and was talked to 5 people said they were American and citizens I said that I paid so much for this car I wanted a break and reduce my payment He said we dont do that, YOU XXXX XXXX XXXX XXXX GO SURRENDER YOUR XXXX WHEELS XXXX XXXX XXXX XXXX XXXX XXXX XXXX REWRITE DEPT AT ALLY XX/XX/XXXX XXXX EST I since paid off the loan with help from another bank, and they still wont credit the account and on-top of it all I over paid the payoff by XXXX and I want that sent to my checking they refused and as of today they still show I owe {$10000.00}, I PAID XX/XX/XXXX XXXX signed by Delivered : XX/XX/XXXX XXXX XXXX Signed for By : XXXX Department number : Consumer Lending Signed for by : XXXX Delivery location : XXXX , KY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2017-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction. I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature. The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score. I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging. This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging. I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ). I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XXXX XXXX, XXXX. Please review attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 2 ) The app malfunctioned and deposited it twice. 3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 7 ) A week passes ; the money never reaches my wife 's account. 8 ) I call Ally every 2 days. Customer support assures me they are on their way. 9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX on the XX/XX/XXXX. We have had no updates since then. Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A