Date Received: 2023-06-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Called to speak with a supervisor on the grace period for making my payment, the company has called 3 days in a row to harass me about making the payment and telling me I OWE them the amount IMMEDIATELY, and that I am delinquent even with a grace period. They have called over 4 times every two hours to harass me even after I paid it and tried to give them the confirmation number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was wrongfully repo'ed about 1 year ago or so. It took them 7 to 10 days to return my car back to me with no apology or reimbursement for being without a car to get to work or around. The lack of customer services was embarrassing and upsetting. No one wanted to listen to me or help me. I was put in a loss prevention recovery department and never taken out once the mistake was found and corrected. Every time I call in, I get transferred around a few times, the reps act like they can't hear me speaking and hung up on me. This has happened exactly 15 times since the wrongful repossession. I have never been put back into a paying as agreed customer. So now when I call me they demand full balance, even though the repo was there fought. When I go online to review my bill, no information is there because of the repossess in error. Never correct and that is a consent reminder of how terrible this company really is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Complaint is regarding the " Smart Lease '' program and buy out agreements. Ally Bank issues two separate payoffs for lease buy out ( is this legal? ). One payoff to the consumer / lessee which is based on the contractual lease agreement ( remaining payments + guaranteed residual value ) and another to a dealer called inventory payoff which is based on FMV of vehicle. Payoff 1 to lessee ( consumer ) : {$19000.00} Payoff 2 to dealer purchase for inventory price : {$24000.00} ( adjusted to FMV ) This basically locks the consumer out of capturing any equity ( that may exist ) in their vehicle upon a trade to dealer unless the consumer has the funds to personally payoff Ally Bank. This is completely unethical and consumer discriminatory. Then it got worse in my situation, I personally sent Ally Bank {$19000.00} to buy out and payoff my vehicle ( used Ally Bank online payment processing system ) ; however, Ally Bank adjusted the amount to {$2100.00} which was the remaining lease payments only. Ally Bank stated that the only way they will accept the buyout is via sending a certified bank check to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX. They have made it very challenging to payoff and buyout my vehicle. Payoff / Buyout funds were sent to Ally Bank using their online payment processing on XX/XX/XXXX in the amount of {$19000.00} from my personal savings account. Ally Bank subsequently adjusted this amount and did not accept the funds to buy out this lease claiming that those are not certified funds ; however, they had no problem accepting only partial amount of what was sent. Dealer was willing to pay me XXXX for the vehicle which would have resulted in net equity toward the purchase of my new vehicle of {$3300.00}. This was lost as Ally Bank would not allow the dealer to payoff the vehicle. Instead, I was forced to personally payoff the vehicle and spend {$19000.00} for which they rejected due to the method of payment. My cash out of pocket on the new vehicle purchase was now much greater than previously expected and I also needed to personally draw on another {$19000.00} to payoff Ally for which they rejected. They have made the buyout and lease payoff near impossible for consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Fraudulent loan from Ally financial on my credit report Account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I received a refund voucher from merchant. Credit card co. has not credited my account. Attached is letter to credit card co. and copy of refund from merchant. Charge still shows on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. Ally continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to Ally 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Company Response:
State: FL
Zip: 33023
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report 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 ALLYFINANC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
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: 2023-06-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I previously had a car loan with Ally in my legal name. When I got my new car loan I signed it in the shortened version of my legal name which is also on my drivers license. Ally tries to say Im not the same person. They wont let me use my online account to pay my bill and it says information doesnt match when I try to reset it. When I try to make a new account it says this information already exists. I have spoke to them on several occasions asking for this to be corrected because they do not send me a paper statement so I can not access any information about my account. They have never given me access to my online account nor have they ever mailed me a statement after numerous request. I have to call a number to pay my payment and I am charged {$4.00} every month to pay that way. This has been going on for over a year now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. Thank you for your time and assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Made several.XXXX purchase that arrived damadged I contacted XXXX and they stated I need to return the merchandise to them..I requested returns fir the damadged merchandise was approved and merchandise sent back via ups. Weeks have gone by and no refunds were given. I contacted XXXX which stated that they did infact issue refunds for merchandise which would bring my card balance down to XXXX dollars. Since no credit was issued I tried aeverall times tp contact my credit card company to no avail I have waited on the line for three hours the first time 2 hours the second time and 5 hours the third time only to be disconnected. Im trying to dispuite these charges and can boy get through to anyone. I have documented that all merchandise has been returned to the merchant and I'm entitled to a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A