Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Re : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, VIN # XXXX ; Ally Financial Inc. ( Ally ) To Whom It May Concern, I am making a complaint about the loss of my subject vehicle that I suffered on or about XX/XX/XXXX due to Ally Financial Inc.s negligence XXXX Ally caused me and my two children, XXXX and XXXX XXXX, to lose permanent possession of my XXXX XXXX XXXX, sustain derogatory credit reports due to Ally Financial Inc., who financed the subject vehicle, placing a past due balance of {$26000.00} on my credit reports which has prevented me from getting another vehicle, severe emotional distress, pain and suffering from not being able to engage in normal day-to-day activities and being forced to ride on buses and rideshares, and financial distress due to having to rent cars costing me in excess of {$13000.00}, when XXXX XXXX XXXX XXXX XXXX XXXX sent the tow truck company XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX who has a criminal history involving stolen vehicles I later discovered, to tow my vehicle on XX/XX/XXXX after I had called XXXX Roadside XXXX XXXX XXXX XXXX, who I relied on to send trustworthy tow trucks and drivers but who failed to do so, to tow my vehicle to XXXXXXXX XXXX XXXX XXXX XXXX due to my vehicle being flooded during a state of emergency caused by Tropical Storm Eta. XXXX XXXX lied to me that he could not tow my XXXX to XXXX XXXX and had to instead tow my Jeep to The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL, which is also owned by another criminal, which I later discovered, who prevented me from towing my Jeep to XXXX XXXX the next day on XX/XX/XXXX by presenting me with an outrageous bill for {$2200.00}, which included a {$680.00} tow charge from XXXX XXXX even though XXXX XXXX paid him for the tow from XX/XX/XXXX. XXXX got paid for the tow to XXXX XXXX even though he did not tow my XXXX there and he attempted to get paid in duplicate by XXXX and me by attempting to scam me out of {$680.00}. XXXX ( dob XX/XX/XXXX ) also filed for bankruptcy and listed me as a creditor but I wont get a cent from him because he stole {>= $1,000,000} in tow trucks from XXXX XXXX that he also defrauded. I was not able to pay the {$2200.00} trumped up bill and The XXXX XXXX XXXX XXXX XXXX XXXX was able to fraudulently sell my Jeep on or about XX/XX/XXXX because Ally Financial Inc. without contest or objection relinquished their first lien position on the title of my Jeep but still charged me {$26000.00} on all my credit reports, and I and my 2 children have been left without a car for almost 3 years and have suffered dearly without our XXXX. In conclusion, I demand to be vindicated. Time is of the essence. Sincerely, /s/ XXXX and XXXX obo XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two complaints filed against Ally. The amount they are stating I owe is incorrect. In their reply XXXX. The payment history does not show the car as being total loss as XX/XX/XXXX or XX/XX/XXXX. The dates the car was damaged and entered as a total loss and the GAP insurance payment made towards the {$12000.00} balance. The amount paid was {$4000.00}. There was over 6 months before {$1000.00}. of this gap total loss payment was applied. At the time ( XX/XX/XXXX ) the account was charged off the amount due was {$10000.00}. Yet, if the {$4000.00} ( GAP TOTAL LOSS PAYMENT ) would have been applied at the time the payment was made the balance due would have been less than XXXX. CFPB *** At the time Ally 's reply I did not have knowledge of amount, or the payment made on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 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 1666b, 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: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: business loan was acquired with no personal guarantee strictly business loan against business credit. payoff was attempted but was declined. XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in Gold '' clause. HJR 192 states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ Debt Amount ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 1601, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received my paycheck/bonus on XX/XX/23 into my XXXX Checking account, and proceeded to transfer my bonus payment to my Ally Savings account. When I went to transfer {$6000.00} from my checking account to my savings account, Ally Banking App sent me an " error '' message and told me that my transaction could not be complete after I submitted it. I just chalked this up to being in an airport at the time, so I figured I would try the next day. On XX/XX/23, I proceeded to submit a deposit for {$5000.00} from my XXXX Checking Account to my Ally savings account, and this time my request was processed, and was given a message stating that my request was successful. I did not think anything of it until I received an email yesterday morning showing that my transfer I originally put in on XX/XX/23 actually processed even though it gave me an error message initially. At this point today XX/XX/23, I was not able to cancel my request that I put in on XX/XX/23 ( due to error on my first attempt ), so this in turn massively over drafted my checking account. I tried this morning XX/XX/23 to transfer back my {$5000.00}, and again, I received the same error message from Ally bank. I contacted their customer service line, and they said that this is a known issue, and that their IT department is working on it. When I asked for a timeline on when this will be fixed, they were not able to give me anything. These error messages that Ally Bank are responsible for are making this situation incredibly financially stressful for me, and with bills being take out of my checking account automatically, and with no timeframe given by Ally on when I will be receiving my money back, I am stuck paying for my expenses without any money in my checking. Additionally, I am not going to be charged an overdraft fee from XXXX that is clearly no fault of my own. I really hope that you all can help as I pride myself on being financially independent, but this issue could potentially affect my financial responsibilities for months to come. Thank you all for your help - I appreciate it immensely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received this email from Ally Bank on XX/XX/2023 : We restricted your accounts because we detected suspicious activity on XX/XX/2023. You may not be able to log in or transfer money out of your accounts. Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX XXXX XXXX ET and on weekends from XXXX XXXX XXXX XXXX ET. -- -- -- -- -- -- -- -- -- -- -- -- -- - I called and a representative asked me questions about my recently opening a new account ( I am recently divorced ) and the " purpose '' of the account. I answered all their questions. The representative told me my account would continue to be locked and that my funds ( $ XXXX ) would be unavailable to me while they perform their investigation. They would not tell me why or how long the investigation would take. I have no access to my money now and I don't know when I will regain access to it. On top of denying access to my funds, I was also treated with disrespect. The representative I spoke to at Ally Bank treated my like some sort of criminal. He offered no explanation and no apology either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I login into my allybank.com account and notice there was several unauthorized transactions that happened on my account from a merchant called " Binance US ''. I called that same day to report this activity, and they ended up blocking my account because they were not able to verify me but also told me they noted down all of the 9 transactions this merchant did as fraud in order for the investigator to also look into. It's been over 2 weeks and they still haven't said anything about the fraud transactions that happened on my account. They refuse to give out any information and keep saying over the 50 times I had called them they are " looking into it ''. I need my money back ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I was invited to make a balance transfer about 10 months ago that would accrue 0 % interests, which I did. I was again invited to make another balance transfer 2 months ago. I checked about previous one, and was told payments would be allocated evenly across both balances. With last month 's ( XX/XX/01 ) payment, I saw that the balances weren't decreasing accordingly, but most recent balance was decreasing before older balance. I contacted the XXXX XXXX and was read a long " payment goes to here, then that, then the other '' dissertation, yet they ask for a small minimum payment, which clearly would not meet the necessary timeline to pay the transferred balance in full, but they allocate any monies maid in excess as they see fit.. When I asked whether the 2nd balance transfer was just an entrapment to keep me from clearing that first balance, and thus achieve the 0 % interest charge, more blah, blah, blah, blah, blah. Basically saying that the entire balance must be paid in order for the1st balance transfer not accrue interests. This seems as entrapment to keep me from capitalizing on the 0 % interest original offer. I made a request to allow me to pay off the 1st balance transfer in full, yet it remains " under review ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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: Have contacted Ally several times for release letter say they have it and never send it. Tax office has them as lien holder and they say the car is paid off but will not send the letter. Have contacted them several times. It is fraud for them to be the lienholder at the the tax office when they have told me it is paid off but will not release it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There was {$22000.00} debited from my bank account from Ally, who I have car financed through. I called Ally to dispute this charge and they said it was scheduled on XX/XX/23 for the amount of {$22000.00}. I told them I did NOT authorize this. They told me that I needed to contact my bank and change my password on my Ally app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A