Date Received: 2023-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I am filing this complaint against Ally Financial for breach of contract. The company had promised to remove my late payments for XX/XX/XXXX and XX/XX/XXXX. We both signed an agreement and the company has reinserted these negative marks on my account. In another aspect, the company has marked the month of XX/XX/XXXX as a late payment. This is what happened in XX/XX/XXXX, I extended my lease for an additional 6 months, extending it from XXXX until XXXX. I made the XXXX payment over the phone, as instructed by the representative who informed me it would be set up as an automatic payment. Despite having set up the auto payment, the company reported a late payment for XXXX. Surprisingly, I did not receive any phone calls regarding the matter, considering the payment was supposed to be automated. Furthermore, I never received any statements indicating that my payments were late, despite my repeated calls and insistence on obtaining such documentation. The online statements consistently displayed a balance of XXXX, adding to the confusion. Upon contacting Ally Financial, they initially assured me that the issue would be resolved within 10 days. However, upon my subsequent call, I was informed that an investigation needed to be conducted. Following the investigation, Ally Financial informed me that they had indeed missed the payment. I requested proof of their attempts to contact me, specifically an email indicating a past-due status, but they failed to provide any such evidence. This situation is stressful for me, my financial life is ruined by this problem. I can't sleep and I've lost my appetite.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple hard inquiries on my XXXX report that I have no knowledge of and did not authorize any of these inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/23, I visited Ally to make a bill payment using their automated check-writing service. The website showed the bill pay service was suspended on my account. As background, I have an pending yet unrelated dispute with another company who used an expired and terminated autopay agreement to withdraw funds from my Ally account via XXXX. XXXX transactions are not related to Ally 's check-mailing bill-payment service. I called Ally to find out why my bill payment service was suspended and to restore it. After dealing with with an hour of holding punctuated by rude conduct from a supervisor who identified herself as XXXX XXXX, employee # XXXX, I was told that outside of revoking this pending dispute, there was nothing I could do to restore the bill pay service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX RE : CLOSED ACCOUNT/RE-OPENED ACCOUNT Ally Financial Inc. , ( AF ), ACCT. # XXXX To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually created massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine. I have produced my past credit and current credit history, see ( EXHIBIT A, Pgs. 1-3 ). These exhibits clearly show previous years of good standing credit prior to the Covid-19 outbreak, then plummets drastically because of the delays mentioned above, which was beyond my control. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create. I also reached out to The Department of Financial Protection and Innovation ( DFPI ). However, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above. Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak. These circumstances were way beyond the control of the consumer. ( AF ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( AFs ) terms and conditions that would describe how ( AF ) would operate during a complete government and financial institution shutdown, because that event has never happened before in history. Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with zero resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted three years later as its all falling apart right in front of the nations eyes with still no solution or recourse, why not? Additionally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( EDD ) for their inexcusable adverse actions regarding delayed payments. ( AF ) must and should absorb the past due balance to extinguish this matter due to their inexcusable patterns of unethical business practices, which has gone unnoticed. Finally, I have produced proof my account was closed XX/XX/XXXX. XX/XX/XXXX, account was reopened and updated, see ( EXHIBIT B, Pgs. 1-3 ). Please see page ( 2 ), it also shows last payment being made, XX/XX/XXXX. I did not have possession of vehicle at that time, which is disturbing and concerning. ( AF ) is reporting this collection as an open account, which is not under the Fair Credit Reporting Act ( FCRA ) compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when removed. Lastly, I respectfully request the ( CFPB ) to re-investigate ( AF ) for their adverse actions and patterns of unethical business practices, as I have only noted the obvious throughout my complaints. If this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance. CONCLUSION I respectfully request ( AF ) to absorb the outstanding debt and reverse any negative credit reporting. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus. I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX. What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My XXXX a XXXX XXXX, and I have been paying {$620.00} nearly every month for the last XXXX years. Some months I have asked for an extension because it becomes too much to keep up with other bills as I have XXXX kids. Its about XX/XX/XXXX when they approve or deny the requests for an extension stating that I have not paid enough on the car. When I check my paid balance on the car loan it says to date ( XX/XX/XXXX ) {$2100.00}. To date, I have paid {$20000.00}. They say I still owe {$24000.00} on an original loan for {$26000.00} for a used XXXXXXXX XXXX that was already over XXXX XXXX XXXX when I bought it. This is predatory lending. When I ask for financial help with the company, I am denied half of the time because I havent paid enough on the car but Ive paid nearly my entire yearly salary since purchase. This is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Ally Financial has contacted my mother and ex husband multiple times. They may have contacted other people Im not sure but these are the two I know about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: OnXX/XX/XXXX I changed the password to my savings account at Ally Bank as part of a routine password update using a different internet browser than I normally use, but using the same computer I always use to access my account. I was asked to verify the browser using 2-step SMS verification, and was able to successfully update my password. On XX/XX/ I received an email from Ally Bank saying that they had locked my account due to suspcious activity and that I should call their XXXX XXXX number. So I did and explained the situation and my suspicions that the password change had triggered this. However, instead of being able to unlock my account they told me that 1 ) My account was indefinitely locked until they completed a fraud investigation 2 ) That they could not tell me what had tripped the fraud investigation nor how long the investigation would take. 3 ) That I would not be able to access my bank account until the investigation completed and they called me back. They essentially provided no information has to how or why this fraud trigger had occurred and gave me no recourse or process for removing it besides answering some basic questions and then telling me they could not tell me when the investigation would conclude. I am now effectively unable to access my funds and have no idea when I will regain access. I have called them 3 times and each time been given the same line read response. I should not be losing access to this account and being given such a lack of detail into it and I need them to reopen it soon or at least provide me with a definite timeline and further context.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A