Date Received: 2017-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make XXXX XXXX payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late, XXXX XXXX ok, and then XXXX XXXX FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from XXXX XXXX XXXX before it was picked up. Even though in XXXX XXXX I was told that the vehicle was going to be repossessed, no one picked up the vehicle till XXXX XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report, XXXX companies are showing a balance with this loan company at {$9300.00} and another XXXX showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Purchased a XXXX XXXX XXXX . Went through a divorce. I could n't pay thet the amount of XXXX a month on XXXX income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay XXXX . What a joke.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: This company has called my daughter at ( XXXX ) XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a XXXX XXXX XXXX as a co-signor with XXXX XXXX , and my XXXX purchase of a XXXX XXXX XXXX with the same problems. I complained to XXXX multiple times regarding the engine stalling on me. It would turn off in the middle of the street from the first year of purchase. When the car had XXXX miles on it I took it into XXXX due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to XXXX and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called XXXX and sent emails to the General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if XXXX is part of that conspiracy. I received a very small portion of my lending fees fro m Ally when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally is harassing me until XXXX as if ruining my credit was n't enough. I 'm not sure if XXXX was part of the lawsuit but what I am sure of is that I purchased a XXXX XXXX and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at XXXX and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have XXXX kids and I service XXXX learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and my credit score is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the XXXX is plagued with these problems since XXXX ! How could XXXX not know this issue with the cars they sold? I am a victim of XXXX and Ally 's predatory selling and lending and demand the CFPB review XXXX an d Ally . I now have XXXX collection accounts for these bad cars when XXXX should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have a vehicle loan with Ally financial. I have been behind on payments. XXXX years ago, Ally viol ated the FDCPA by contacting me in excess of XXXX times in a XXXX hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through XXXX XXXX and XXXX XXXX for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through XXXX XXXX or XXXX XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak to Ally over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00} to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at Ally they stated that the only reason why Ally could not take legal action against me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I have received countless calls from XXXX XXXX XXXX for a name ( ca n't understand them maybe its XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: ALLY AUTO IS NOT REPORTING TO XXXX ONLY! THEY MUST CALL THEIR XXXX RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY XXXX CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No