Date Received: 2016-10-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: An auto loan of {$17000.00} was taken out on a used vehicle. The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No