Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid the XXXX balance in full XX/XX/22 to Ally Financial and received correspondence through email as well as the pay off letter. Ive spoken to several representatives and have uploaded the letter to prove the balance has been settled, to no avail they keep reporting incorrect information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : 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 XX/XX/XXXX XXXX XXXX. Co XXXX XXXX XX/XX/2023 XXXX. Ally Financial XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was in a total loss XX/XX/2023. I starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 2. I confirmed with XXXX XX/XX/XXXX that the payment had arrived. 3. Ally told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. I am concerned my perfect pay history may have been inaccurately reported. I also believe that the payment was posted non advance the. Re posted normal. That left me past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am writing to address a concerning issue regarding my auto loan and the payment processing that took place on XX/XX/XXXX. On that day, I submitted the correct payoff payment of {$80000.00} through my Ally online account for my new vehicle loan. I received a confirmation email from Ally stating that the payment was successfully scheduled for that date and that Ally had received payment. However, on XX/XX/XXXX, I discovered the payment had not processed back in XXXX. On XX/XX/XXXX, I serviced my vehicle at the same dealership where the vehicle was purchased. I went to see the finance manager to see why I had not received my unused gap insurance refund, being I paid off the vehicle. He asked what the date of the payoff was, which I could not recall, so I logged into my Ally online account. I was alarmed to learn that my vehicle was in danger of being repossessed, as indicated by a message on my online account. This news caused me significant anxiety and stress, especially considering the personal, family, health, and work-related items that were in the vehicle. Additionally, upon checking my credit score, it dropped from over XXXX to below XXXX, further compounding the negative impact of this situation. Upon realizing this, I immediately contacted Ally to understand the situation. I later discovered that the payment had not been processed due to the removal of my banking information from the account before the payment could be completed at XXXX. The banking information was only removed after Ally e-mailed me the payment received confirmation. Payment could not be made on XX/XX/XXXX, because the account was locked out. To rectify the issue, I made two payments totaling {$80000.00} on the morning of XX/XX/XXXX. I spent hours that day repeatedly calling Ally to ensure that my vehicle was no longer at risk of repossession. Eventually, I spoke with XXXX XXXX, a representative who assured me that my vehicle was safe and understood the circumstances surrounding the unprocessed payment. XXXX mentioned that she would add notes to my account to mitigate the negative impact on my credit score and work towards resolving the remaining balance caused by these circumstances. She informed me that someone from escalation would contact me on XX/XX/XXXX, but I never received that call. Despite leaving voice messages at the provided number ( XXXX ), I did not receive any callbacks. Today, on XX/XX/XXXX, I am disappointed to see that the matter remains unresolved, and according to the account statement, there is a payment due on XX/XX/XXXX. I feel misled by the payment received confirmation email I was sent, which led me to believe that the payment had been received and processed successfully on XX/XX/XXXX. Nowhere in the email was it stated that I should refrain from deleting my bank information until the next day. I had every intention of paying off the vehicle, and I even sought a refund for the unused gap insurance from the dealership finance manager. This situation has caused me additional financial costs, a negative impact on my credit, and a significant waste of time. While I bear the consequences, it appears that Ally stands to collect wrongful additional fees and interest from me as a consumer. I kindly request Ally 's immediate attention to this matter and a swift resolution. It is crucial that we rectify the credit score damage, address the outstanding balance, and prevent further negative consequences. I trust that Ally Financial will take the necessary steps to rectify this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted Ally financial and XXXX XXXX XXXX XXXX and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-06-22
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 making or receiving payments
Consumer Complaint: I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payments due XXXX XXXX and XX/XX/XXXX. The payment was not delivered on time and each time I was assessed a {$50.00} late fee by my landlord. The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. On XX/XX/XXXX I sent a message to the bank with the details of the missing payments, copies of statements showing the late fees charged, and a copy of the lease showing the payment due date. On XX/XX/XXXX the bank sent a message back saying that I should expect a substantive response within XXXX hours. I did not hear back from the bank until over XXXX weeks later, though on XX/XX/XXXX a single {$50.00} refund posted to the account. On XX/XX/XXXX I spoke to a representative and clarified that there was still XXXX additional {$50.00} payment missing. On XX/XX/XXXX I called back and the representative said that the case had been earlier closed, and who claimed to reopen it. On XX/XX/XXXX I called again and a representative told me that the case was open but with no ETA and no update. On XX/XX/XXXX, now XXXX months after the initial request, I called again and the representative told me the case had been closed in XXXX and never reopened. Given the runaround and broken promises on this case, I am escalating this issue to the CFPB. The reference number for this issue provided by the bank is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with 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: I didn't give this company permission to run my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XX/XX/XXXX, I received the copy of our our agreement. I asked ally for a copy of our agreement to our contract, in our contract it stated if i had any disputes it only could be change in writing. I received my car payoff letter and car title and asked could they remove the XXXX. They never responded i wrote them several times over the next few weeks. I even called customer service. I asked several times not to report negative information on my credit report on the phone and in writing and they still reported all information my credit score dropped tremendously. After several attempts of trying to get a resolution on XXXX XXXX i finally talked to customer service about the issue ive been having. She didnt know if they received my documents but gave me an email to send documentation I sent the documentation on XX/XX/XXXX that they requested and XX/XX/XXXX my car was impounded im currently seeking to file a lawsuit for how this has effected my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XX/XX/XXXX I called the company ally financial to try and pay of whats left of my load total balance {$5800.00} which is stated on my account with a payment due of $ XXXX breakdown of the {$4000.00}, includes current payment XXXX, past due {$1800.00}, late charges {$1000.00}, other charges {$400.00} but the representative of the bank told me the payoff due is {$7300.00} without any explanation other than when the car was repossessed and that I still own money for the tow and fees also it saids on the account 6 payments left and 1 pending which is due XX/XX/XXXX XX/XX/XXXX I called the company to speak with someone about the payoff load and they couldnt give a answer why I cant pay {$5800.00} which is my total balance on the account and to get my title but they will send a letter which it will collect more interest due to the message if paid after XX/XX/XXXX I will pay an additional {$1.00} of interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally bank is holding my mobile deposit funds and are not following the statements in their mobile deposit agreement. The agreement states that partial funds will be released after 2 business days, and the rest of the funds after 5 business days. To someone who is struggling and received a loan check obviously for a reason, this is disheartening that a bank will hold funds for an extended period of time, going against what is promised to their consumers. I am demanding that the statement ls in their agreement be met on the consumers end. During a phone call on XX/XX/XXXX, I was promised that {$5500.00} would be available in my account today. I was then told today that NO funds would be available until XX/XX/XXXX. The check was deposited on XX/XX/XXXX. I have children to take care of and bills to pay and this is absolutely unacceptable. Ally bank is hurting their consumers with the failure to follow through on legal agreements!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A