Date Received: 2017-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back. XXXX XXXX XXXX XXXX XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed. XXXX XXXX XX/XX/XXXX- inquiry - I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response. XXXX XXXX XXXX XXXX XX/XX/XXXX- I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Several times Ally Financial has called me to collect on my past due auto loan. When I answer they hang up as I 'm saying " hello '' ( I answer typically after the 2nd or 3rd ring ). They are using the " deceptive '' tactic as a way to notate my account as " no response '' this has been going on for about 30 days. I have made payment arrangements via online and called to advise I have done so, and I 'm still receiving calls. As well when I contacted Ally in XXXX to make payment arrangements, inquire about assistance, and ask about they 're repossession policy the representatives as well we Supervisors refused to give me " clear & a straight forward '' responses. I am issuing a complaint of harassment against them. And would like it to be looked into
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Tuesday, XX/XX/XXXX I walked up to the ATM attached to the XXXX XXXX branch location at XXXX XXXX XXXX XXXX, XXXX XXXX, MI between XXXX and XXXX local time. I attempted to use my Ally Bank ATM card to make a cash deposit. Upon inserting the card and providing my PIN, I selected the Cash Deposit option from the touch screen menu. The cash deposit entry point opened and I began inserting bills, which it began to count. After I had inserted some of the funds, the cash deposit entry point began to have some issues with some of the bills, and after a couple minutes, the slot closed, and the ATM went back the main menu. In total, I had inserted {$180.00} into the ATM. I was given no receipt and no transaction number. When I tried to get the slot to open again by using my card I received an error message. So, essentially, the ATM took my funds, allowed me to insert them into the slot, then it started over without processing the transaction. I contacted the branch the next day, Wednesday, XXXX XXXX, at XXXX. At first they had not checked on the ATM, then after a second call, they let me know that they had balanced the ATM and they had found the founds. So the associate I spoke with verbally admitted that the {$180.00} had been located. However, I was told by the branch associate that I would need to contact the XXXX back office to file a dispute in order to recover the funds. I went forward and I contact the XXXX back office on Thursday, XX/XX/XXXX, at XXXX. They told me that they could not handle my claim and that I would need to contact my own bank, Ally bank, even though the transaction was not processed because in their view even though the transaction did not go through there would have been a trail created associated with debit card at Ally bank. I was told to contact Ally Bank and to file a dispute of the transaction with Ally, that then they would receive this dispute through the system from Ally, they would verify the dispute and provide the funds to Ally, who would deposit the funds in my account. Accordingly, I contacted Ally Bank, at XXXX. However, the representative I spoke with told me that it was not possible to file a dispute for this ATM issue, as there was no record on Allys end of the transaction. They could not process my dispute/claim because it wasnt in there system. A back and forth of several phone calls persisted between both banks, both refusing to claim responsibility for processing the dispute. Neither Ally Bank, nor XXXX, can tell me what I need to do in order to receive a refund of the {$180.00} dollars that XXXX has already admitted was taken by the ATM. There should be camera footage of me using the ATM, and I did perform a balance inquiry after the deposit system broke, so there should be a record of that as well. Finally, today I decided to file a dispute after spending an hour on the phone with an Ally representative named XXXX who refused again to file the dispute, and told me that he would escalate my claim to executive support. It is still unresolved. I would like XXXX or Ally to follow the proper procedures to either return the {$180.00} to me physically, or to deposit the funds into my Ally account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I ca n't get any of my personal info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2017-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-11
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2017-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2017-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2017-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. We have yet to receive the payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2017-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a car loan through, '' Ally, '' and my regular payment is {$340.00}. My bill for XXXX was {$340.00} - which included a {$1.00} late fee. ( For a payment that WAS N'T late ) I mailed in a personal check for {$5300.00} and wrote, in bold letters, in the memo " XXXX toward principle. '' My payment was due on XXXX XXXX and the check cleared my account on XXXX XXXX. I received XXXX statement and it was for {$160.00}. I called Ally and asked " XXXX '' - Why are n't my payments the same amount? It should be the {$340.00} with the {$5000.00} applied towards principle. Are you trying to prolong the loan so you can collect more interest?! I was given the answer, " Well it was all applied towards principle. '' put on hold and transferred to someone who was not knowledgeable and proceeded to give me incorrect information. Such as my loan was " supposed to extend till XXXX '' and I had another late payment for XXXX XXXX which was paid early ) This is not the first time this has happened. I have paid extra towards the principle before and they applied it towards my monthly payments. Only sending me statements for 3 months for interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A