Date Received: 2023-06-09
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: We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get. When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived. When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. Ally financial XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX financial for them to release my medical information to a third-party. I understand that the ( XXXX ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and XXXX XXXX. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within XXXX days of the completion of your investigation. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 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: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have asked for Ally to send me a payoff quote. I need this in writing. I am told I need to call in. When I call in, I have been hung up on several times and then the phone system seems to not to be working at all. I should not have to talk to them to get a payoff quote. I sent them the request through their secure website, and I have received other information and documents the same way. There is no reason why they should not be able to give me this information in writing. The longer they wait, the more interest is compounding. I am trying to see if I can pay this off now instead of continuing with the high interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have scammed by online company more then XXXXXXXX XXXX, i have attached a letter for details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I made a full and final payment to ally.com/auto. Today XX/XX/XXXX I received an email that it was returned for incorrect account or routing number. I put in the correct numbers because today when I went to check and then pay XXXX MORE in interest it said I already had and account with ally with that routing and account number. I feel like they are scamming me for more money. You can't pay in full over the phone. they put you thru to a 3rd party that will only take increments of XXXX at a fee of {$4.00}. My payment was XXXX. First off I did not want to do a loan but the auto dealership would only sell it that way as they make more money off the deal. My intention was to take the car anyway and pay the loan off right away. I am jaded by the dealership AND loan company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had a checking with Ally Bank for a few months and recently opened a savings. I had an auto loan prior that I paid off. Because I was having payroll direct deposited for the loan, I decided to open a checking. Fast forward to XX/XX/23. I deposited a check drawn on Ally from a friend for {$250.00}. Later that day, my friend found out his account had been closed. I immediately called Ally and explained this to customer support. I also asked if I would pay a return check fee. The next day I received 2 emails stating my accounts had been restricted due to suspicious activity. My access to online banking was also turned off. I contacted the bank 's fraud department as instructed. I received no other information other than a senior analyst was working on it. I asked for a return call. Nothing. I called again last night and today XX/XX/23. Today I was told there's no guarantee the senior fraud analyst would call, but he would give them the message. I asked if there was a manager or someone I could complain to and I was offered a voice-mail. I said I want a real person and the response was, a real person will get the message and respond. Again, I got frustrated and hung up. At this point I want my accounts closed. The deposited amount of {$250.00} was in the account, although held. I understand this. What I don't agree with is the restriction of my account balances and no access to any information about when the restrictions will be lifted. I paid a loan on time monthly and paid it off early. This was my first mobile deposit. I did not know the account was closed at the time of deposit. I find it discriminatory to treat me like some criminal who is trying to rip off the bank. I work and my hard earned dollars are being held with no valid reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60510
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I Have made multiple payments on my car loan and the finance company returns my payments and is charging me late fees on purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Refuse to help make some kind of arrangement to help with payments, refuse to allow to deferr even a payment. Now they are calling my employment office. I work in the field all day. My boss calls me and tells me he just received a call from ally financial asking to speak to me and began to elaborate on my financial situation to my BOSS!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX XXXX XXXX XXXX XXXX TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A