Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to financial hardships I took the initiative to apply and was approve for a repayment plan with ALLY financial bank for my car loan. I agreed to pay {$450.00} on the 24th of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. Ally financial reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted ALLY XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX and is inconsistent. My credit report has change numerous time due to ALLY financial incorrect reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I traded in the XXXX XXXX XXXX on XX/XX/2023. Ally Bank currently holds the title. The first portion of the payoff was mailed out overnight on XX/XX/XXXX. I was told by ally that the payoff check wasnt received and that was as of XX/XX/XXXX. Yet, the dealership told me Ally bank received the check but it wasnt enough. Ally Bank is purposely holding certified funds in order to collect extra interest off the loan. Thats fraudulent. It shouldnt take 2 weeks to cash a certified check and close out a loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21227
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial has done everything wrong since I took out this loan in XX/XX/2022 the contract interest rate was increased they bagged gap when I put over 1/3 down they didnt change the payment date as promised so I incurred late fees and credit report lates they didnt include the registration fees for over XXXX dollars they added a additional warranty and when the fees were challenged they company refunded them to the loan but no credit to me, I have called emailed and sent certified letters no one calls back I have now hundreds of hours trying to solve issue and no one answered the phone I think they may be out of business and overseas call center is all they have left please help l the last correspondence was over a month ago saying that they received my certified letter and will look into it but still no response and I need a physical address to serve my small claims action and they refuse to provide me one
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
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: Problem accessing account
Consumer Complaint: I do my banking with Ally Bank - an online bank with no physical locations. I have been their customer for many years and have not had any problems accessing my online accounts until XX/XX/XXXX. On XX/XX/XXXX, I tried to log into my account and could not. I got a message stating Online Access is Blocked. I called Ally on XXXX and Ally created a ticket # XXXX and directed me to follow up in a day or two. I called them again on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Ally keeps telling me that issue is being " reached '' and they can not provide estimated date when online access issue will be resolved. I use Ally for online banking purpose and not able to access is frustrating and impossible to manage my finances especially when Ally can not tell me when & if I will be able to access my account online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %. My wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty. I alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car. When we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off. Sincerely, XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I overpaid the Ally Lending account # XXXX XXXX XXXX XXXX in XXXX of 2022 by {$100.00} and have requested reimbursement numerous times. Customer service agents say they mailed the check in XXXX of 2022. I have called them each month since then to follow-up ( 7 times as of XXXX ) as I have not received the check or any checks at all. I do receive their paper statements each month in the mail and I have verified my address with them each time I call. It has become very frustrating to hear that this bank can't refund or find another way to reimburse me. They say that cancelling and re-issuing a check is the only way. But the check never gets here. I requested a tracking number or proof that they have in fact mailed the checks. But they say they can't provide any other method of payment. I just spent 40 minutes on the phone with them and numerous supervisors ( XXXX, XXXX, XXXX, XXXX ) have juggled me around and they don't come up with a solution to simply refunding me the money with another method or providing me with a tracking number for my check. I'm attaching a few statements for your review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contact via email but never received a feedback
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dispute case # XXXX with Ally Bank Chicago Police report # XXXX A wrote a check to a home contractor for an unusually large amount of money given my account 's history. The check was stolen from the mail and then " washed ''. It was discovered once the funds had been withdrawn from my account. Judging by the check images, it should have been obvious this check was fradulent with several indicators. I reported the fraud just a few days after the check had been deposited. The Fraud Specialist told me I'd receive a call from an Investigator within 1-2 business days and that was 8 days ago. The bank has not reimbursed me for the check that was not properly payable, of which they are responsible to do under the Uniform Commercial Code section 3-406. I have called several times seeking information on when the Investigator will call me or when, more importantly, I will be compensated for the fraudulent check the bank allowed to be paid. All I have gotten in response is an ambiguous explanation that the bank the fraudster deposited the check into had recovered partial funds and was investigating. No information on how much was recovered or when the funds would be returned. Even at that, Ally is still responsible, and they are now just giving me no new information and no call from anyone at the bank with further information. Ally 's agents have said on more than one call that it is out of their hands now and the other bank is the blocker. That isn't true however under the UCC as this was a check alteration. I am now just getting the run-around and do not feel the bank will handle this on any reasonable timeline in accordance with the UCC. XX/XX/XXXX at XXXX - reported the discovery of washed check. The XXXX closed my existing checking account, transferred those funds into a new one. Gave me the dispute # above and told me an Investigator would call within 1-2 business days. XX/XX/XXXX at XXXX - Talked to XXXX in Fraud Prevention. Was told they wont be providing a provisional credit as XXXX XXXX was able to partially recover funds and its in their hands now, and that they had up to 180 days to transfer those funds. I instructed her that there are rules XX/XX/XXXX at XXXX - Talked to XXXX in Fraud Prevention . I asked again for any more information on when XXXX XXXX would return funds or how much it the partial recovery was for. He had no further details. He instructed me that escalation process includes leaving VM with supervisor and they would call back within 24-48 hours. XXXX from XX/XX/XXXX call did not instruct me of that or transfer me to that VM. I left a VM with fraud prevention escalations that I would file legal proceedings if funds are not returned within the 10 day window pursuant to UCC code and that the check was not properly payable and so Ally is responsible. XX/XX/XXXX at XXXX -Talked to XXXX in fraud prevention. Not helpful at all. Just said the Investigator would need to call me back, no timeline for it. Offered no solutions. It would be up to the investigator on when they were to call me back UCC Section 3-406 Customer Duty of Care Pursuant to UCC Section 4-401, a bank may only process and deduct from a customers account checks that are properly payable. A check containing a forged drawers signature is not, of course, properly payable and can not be charged to the customers account. However, under UCC Section 3-406 a bank paying a forged check drawn on a customers account may be able to escape liability for returning the funds if it can demonstrate that the customer failed to exercise ordinary care and thereby contributed to the forgery or alteration of the instrument.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I woke up at XXXX XXXX on XX/XX/XXXX, and received an email from XXXX thanking me for an order. I did not submit that order, it was fraud. I immediately XXXX that day to try and cancel the order. The customer service person told me they would cancel the order. I called my bank ( Ally Financial ) immediately after this to dispute the payment. They told me they could not dispute the payment until the transaction was completed and to call XXXX. I called XXXX again the following day and they assured me the order was canceled. I was able to finally dispute the transaction on XX/XX/XXXX with Ally. I received a temporary credit. I logged into my account last week, XX/XX/XXXX to see that XXXX was taken out of my account, twice. I was informed that Ally closed the dispute, and XXXX sent over " sufficient '' information saying the transaction was correct. It was not. I was not awake at XXXX XXXX. I did not receive 10 Arts & Crafts books nor the boxes of cereal that were fraudulently ordered. There is no shipping information, and XXXX is claiming they mailed me the items in questions within 24-48 hours ... which is impossible as I live in a remote, rural area. In addition, the books in question are not fulfilled by XXXX but " XXXX XXXX '' ... typically when things are not being fulfilled by the primary company, it takes time to even ship out, let alone less than 2 days. I have attached my call records, both to XXXX and Ally. I have also attached the emails that I first received when I learned that my XXXX account was hacked in. The emails arrived to me at XXXX XXXX. I work at a school and consistently wake up at XXXX XXXXXXXX XXXX XXXX as I need to be at work at XXXX. I also noticed that my savings account is short XXXX with no explaination. My current balance is XXXX and there are no transactions showing why this amount is missing. I have had nothing but issues trying to contact Ally to try and dispute these transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The debt does not belong to me, it is company trying to get ahold of my husband. I have repeatedly asked him to stop calling., continue to tell them that you can not reach him from my number. They call me 3 times a day morning, noon, and night. Every time I tell them that I am not XXXX XXXX I hang up on me. Sometimes I can get them to hang on the phone a little bit longer and explain and they have told me a couple times that they would not call again, but they always do. I have no idea what to do. They say they are with Ally Services Number : XXXX Called today at 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: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A