Date Received: 2017-10-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XXXX XXXX, I made a payment to Ally Financial in the amount of {$900.00} because I fell behind in my car payments due to losing a job and just started a new job on XXXX/XXXX/2017. I explained my situation to the representative at the time. The week of XXXX/XXXX/2017, I received a phone call at work from my father in law stating Ally Financial called him in XXXX looking for me. I called Ally Financial and told them my situation and informed that I will be making my payment when I get paid. I do n't get paid till XXXX/XXXX/2017 because I just started my job and this will be the first pay cycle for me. I called Ally Financial and told them do not call anyone in my family looking for me and I was told that no problem and his number will be removed. I never gave Ally Financial my father in law phone number and they are using extreme secret practices to humiliate me with out allowing me to call back. On XXXX/XXXX/2017, I received while at work 6 calls back to back from a representative named Precious at Ally Financial bank on my cell phone. Before I can give her a call back when I get off work, she called my Supervisor at my brand new job at the XXXX University hospital and humiliated me because I did n't call her back soon enough ( I attached a copy of the email my Supervisor sent me ). When I called the representative Precious at Ally Financial and asked her how did she get my new job number which I did n't even know yet. She refused to I was told by her supervisor that are secret tools they use to locate people. I informed that that they are never to call no number to look for me except my home and cell number. This is the 2nd time I 've explained to Ally Financial they were violating my rights. It is threatening and scary knowing they are most likely illegally using methods to track me without my permission. They called my father in law as well as job looking for me and will not disclose where are they getting my information. I want the threats from Ally Financial to end. They act like I have no rights as a consumer and it is really scary my personal information is being used as a weapon against me. They are withholding methods and refuse to tell me if they are using google or what other searches putting my personal information such as social security, address and date of birth on the internet. They may even have someone following me. Please help me resolve this matter. I am afraid and really need assistance or to know my other options. No creditor should be able to get away with this.
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: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: this banks ran a hard inquiry on my credit report without my authorization on XXXX/XXXX/XXXX I when to look for some vehicles but at no point I told sales rep to run my credit now my is it XXXX and it was at XXXX please help XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Ally Financial XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I submi tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage. What is the CFPB going to do about this??? Is the CFPB really trying to help me??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.
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: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 265XX
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A