Date Received: 2017-10-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hi, I recently tried to open a Savings account for my mother with Ally Bank. During the application, I input her SSN and other information. I answered some questions pertaining to her identity. At the end of the application, I was told that her account was under review and we would get a call back in a few days. On XX/XX/XXXX I got a call saying that Ally requested a copy of her drivers license to verify her identity. I then told them that her address is slightly different than the one listed on her DL. They then told me that was fine, but I would have to resubmit another application with the matching DL information. I did then, input her SSN, and answered all the questions again. They also gave me the fax number to submit her DL to just in case they need it for the next application. I submitted the new application and faxed in her DL on XX/XX/XXXX. On XX/XX/XXXX, I received an email at XXXXXXXX XXXX stating that 'we have been trying to reach you but have been unsuccessful. ' It goes on to say to please reach out to us regarding reference number XXXX. The email came from 'XXXX at Customer Service '. As soon as I saw the email, I contacted Ally bank. I first spoke to a representative, who told me 'I do n't know because that is n't my department ' so I then asked to be transferred to that department. I was transferred to XXXX XXXX, a supervisor. I asked XXXX XXXX what was needed to finish the application. She read 'the notes ' that said we needed to submit a copy of the SSN card. I then informed her that we had already submitted the DL, and asked if she had used that as verification, as it is a 'valid government issued photo ID ', which is what they request in the application. She found it and then told me that regardless, they were requesting a copy of the SSN card in order to proceed with the application. I asked why they were requesting specifically it, and she simply said that she did n't know. I then asked to see if she could check with the department that made that decision so that I could get a better idea as to why specifically it was being requested. She contacted XXXX in the Applications Department. XXXX relayed to XXXX that the SSN was required. I then informed XXXX that due to the age of my mothers SSN card, it carries the words 'not to be used for identification purposes. ' After an extended hold, XXXX came back and told me that 'we are allowed to request anything because of the Patriot Act. ' I informed XXXX that is not how the Patriot Act works, you must cite specific articles in it. She said she did n't need to. I then said that under the FDIC 1020.220 'Customer Identification Programs ' and other FDIC articles, it is not even required to use a SSN to open an account, furthermore use a SSN Card for identification. She simply said 'The Patriot Act trumps all of that. ' I asked her if Ally bank abides by the FDIC regulations, and she told me that they did n't have to since the Patriot Act was enacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help. My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76086
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XX/XX/XXXX I applied at a dealer called XXXX XXXX they advised me they use one bank only that will accept my loan with my credit score which was to be XXXX only, upon allowing them to pull my credit and submit it with my pay stubs and try to get me approved they submitted it to over 20 different finance companies of which I have noticed that their names are the names used twice on each time they tried to send it in I have Ally twice XXXX, XXXX XXXX, XXXX 3 times on their showing and many many more bank or finance companies but they have hit my credit bad multiple times, and all 3 credit bureaus as well are responsible they should know something is wrong why would there be a reported name or agency for financing multiple times on there as well as I have already signed up for the fraud alert they FAILED to monitor my credit correctly and should if noticed it being more times than one stopped any and all credit inquiries and notified me that there was suspicious activity I blame all 3 credit bureaus as well as the banks to receive multiple applications being submitted for a auto loan, they had no permission to do so after I called the salesman I advised him that he 's got me with to many hard inquiries and he would be pulling my credit once only upon knowing I received not able to approve due to interrrogatories shown below " Hard Credit Inquiries '' I told him he committed fraud on my credit Check and was responsible to get them deleted even though I was approved cause he knew he was wrong he killed the auto deal on me as well as the hard inquiries are still showing from XX/XX/XXXX to present. I contacted every bank on my credit report by phone and by mail nobody has yet responded to me I only applied for 1 finance salesman just kept on submitting to other finance companies I have made a dispute and complaint various times this is going to be my 4th time disputing them and each time waiting the 45 days for them to investigate and follow up with me NOTHING from all 3 credit bureaus was done nor did I receive any type of communication from the dealer, the finance companies I sent everything over with a copy of the complaint to all 3 credit bureaus nothing as of XX/XX/XXXX! Upon 4 requests did I hear back from anyone of them so all 3 bureaus as well are allowing this to ruin MY credit even more not delete it off is a resin my score is low I deserve the situation to be investigated and all documents pertaining to this I need to see where the dealer has permission from me signed that they can By my permission not if their own will to finance and make commissions submit it to multiple banks to cause harm to my credit by applying hard inquires I was only trying to finance to pay the car and make my credit repairs on my own by taking a loan and paying it instead they were in the wrong killed the deal after I raised XXXX to them and still have n't answered not to me or to the finance companies cause they ca n't they defrauded me and my credit is ruined and I need this to be RUSHED please as I said that this is 4 times I have submitted the disputes with every info of all banks on their from XX/XX/XXXX, all other ones are hard inquires as well after that between XX/XX/XXXX and XX/XX/XXXX anything for XX/XX/XXXX needed to be removed immediatley
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A