Date Received: 2023-05-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 566XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: When Ally Financial finally got caught as a subprime lending scam over a year ago and successfully sued for said action I contacted them and told them to remove the actions off of my credit and they did. Sort of. They listed it paid but never corrected the constant credit report abuse of misleading and incorrect data. I was a co-signer. Its my exhusbands loan to which he was repossessed twice and we paid thousands to fix repossessions to get back car. He paid off the loan right before class action. {$28000.00} when I told them to remove and correct due to class action they did so. However in a year Ive struggled to raise my credit XXXX points and then dropped it this month XXXX points for again incorrectly reporting payment history and to why they did so Im unsure of. Cant be legal. This was reported paid. Finished. After 8 years of trying so hard to fix my credit to purchase a home white in college full time and working as hard as I am to secure a affordable car loan with my tax refunds they did this. I was almost at XXXX and not Im in the XXXX again. +10 % interest on any loan if I can even afford it now. This is so unfair. XXXX paid it and theyre in a class action why are they still requiring credit of mine to which Im working so hard for. Im trying ti buy a home so I can finally have a roof over my head. This isnt okay and Im about ready to sue them myself. Ive had my credit go above and under every time I raised it for 8 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I called this company in the past following the purchase of the vehicle to request that the payment date be moved or that the 3rd payment be moved to the end of my contract as advised by my dealership upon purchasing the vehicle. Subsequently I changed employment after a counseling firm of whom I worked for as a contractor was sued by their stockholders and we were not informed. I called the company again to make the same request as they did not honor the previous request stating that I was 'too new of a customer. ' Now the request was being made due to the change in my finances. Although I had begun making two split payments I have not been late that would result in a change of {$160.00} and an additional charge of {$580.00} that Ally denies is on their ledger -- this charge is different from the actual payment of {$560.00} which you will see all three together on the ledge -- I will attach the ledger below if I can. So I CALLED the company again after they refused TWICE to provide me written documentation of the dates and reasons for the Late Fee assessment and the Past Due Amount of {$580.00} that is showing up on their ledger that the representative insisted was not there. When I called the representatives STILL WOULD NOT TELL ME WHY and could not justify an additional charge of {$580.00} that showed on the ledger as PAST DUE. The representative told me " You must be misreading it or you must misunderstood because I do not see what you are seeing. '' I will also attach the snapshot of this document if I can below. As I had previously WROTE to them I do not enjoy speaking directly with representatives of Ally due to the 'mockery ' and 'talking down to their customers ' that they do not seem to realize is present. When asked for the address of the Corporate location to request 'Dispute Resolution ' I was told, " We only have a Default XXXX XXXX and no physical location, but you can have the fax number. '' The documents are attached below of the : 1 ) Charge Ally denies is on their ledger 2 ) My proof that it is 3 ) My proof of the payment and 4 ) My question of why and trying to explain why talking to them is and has always been a very unpleasant experience. There was absolutely no justification or anything that I experienced that justified that I make a FORCED PHONE CALL to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Company Ally XXXX XXXX XXXX, MN XXXX Agreement # XXXX Vehicle : XXXX XXXX I held the loan on this vehicle since XXXX. Paying a total of XXXX. I made the last payment online XX/XX/XXXX. We I ran my credit respire a month later, I realized that Ally Financial put a late payment on my account for XXXX. I called Ally and asked them to remove it as I had not had a late payment in over 2 years and I was unaware that I had a balance, and if I had know I would have satisfied the debt. My payment history over the last 2 years exemplifies responsible intention to satisfy the loan. I am a co-signer on the vehicle, I have been dopey paying for the vehicle for the past 2 years. The primary loan holder was responsible for late payments prior to the last 2 years. I would like to have this late payment removed. I have satisfied the outstanding XXXX as soon as I was made aware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I want to alert you to Ollo Card 's shady business practices. They only allow you to pay via debit card once the account is past due. I tried to pay ahead of the due date but don't wish to make it via bank transfer for various reasons. After escalating several times, I was advised only collections can take debit cards. When I asked to be transferred to collections, I was told they don't accept payments on current accounts. By not allowing flexibility in payment methods, Ollo Card is intentionally causing low-income people to default on their bills resulting in more money. These are shameful practices and should be stopped!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My Insurance payed most of the loan off and gap insurance payed the remaining balance Ally Financial has been an unprofessional company and their customer service receptionist are very rude and unprofessional this claim has been prolong too long and they have received checks to pay off the vehicle its affecting my credit and me chances of getting approved for another vehicle i will like this problem to be resolved I recommend no one to deal with ally aleast you want deal with unprofessional company that dont tell information correctly and prolong situautions for a long time and dont care how it affects the customer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 d purpose. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an auto loan from ALLY FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and ALLY FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2023. There was an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Bank XXXXXXXX, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, there were two charges made to my checking account with Ally Bank ending in XXXX that I never authorized. They were made through XXXX, which is a program I never used on my current phone and haven't had since before I changed my phone number. I reported the unauthorized transactions the same day, and was told I couldn't dispute them until they posted, so I disputed them on XX/XX/23 when they did. I wanted a new debit card issued and it took three different attempts before Ally actually delivered a new debit card to my door. Ally refused to give me a provisional credit for the {$400.00} in unauthorized funds stolen from my account and sent me a letter claiming that I authorized the transactions. This is not the first time I've had this type of problem with Ally. The account is a joint account and earlier this year, when my partner 's debit card was compromised, Ally took almost two months to refund us the money we lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A