Date Received: 2017-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted these companies individually and have not received any reply back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: on XX/XX/XXXX, Ally called my mom looking for me -- said they were trying to contact me -- -I had already contacted them on XX/XX/XXXX, Ally called my girlfriend, XXXX , looking for me -- -said they were looking for me but could not tell her why -- -I called them back and spoke with XXXX -- -I asked why they called XXXX -- XXXXshe said , well, it should not come to that, now should it on XX/XX/XXXX, Ally called XXXX again and left a message -- XXXX called them back, curious as to what was going on -- -they told her I was several payments behind and my vehicle was up for repossession and I was not calling them back -- -not true on XX/XX/XXXX, they called my dad, XXXX, and told him they were looking for me but could not tell him why as he was not on my 'ok to give information to ' list why did they tell XXXX what they did when no one but me is on the 'ok to give information to ' list?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43560
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
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: I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days. 2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire. 3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one. 4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me. I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged. They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2017-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2017-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A