Date Received: 2017-12-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment. I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid. They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day. When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had. Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. No response as of yet. XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). I have never been late. I have also tried to pay at different times to see if I could find a pattern none that I can determine. I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-10
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: In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ), and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2017-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Customer service would n't take care of my matter remove inquiry from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I 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 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I 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: 33161
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control. XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them. In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have attached a copy for the records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A