Date Received: 2023-05-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally reached out to several of my XXXX friends and family about my debt. I received over 20 calls a day, back to back and even sometimes private. Ally made fake XXXX pages with their pictures pretending to be friends and family. I asked them to stop several times and it still continued. I have voicemail recordings and text screenshots from the people they contacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17406
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: The car loan, amount for {$31000.00} was paid off by XXXX XXXX XXXX XXXX XX/XX/XXXX to Ally Bank. The check was not found by Ally Bank. The XXXX XXXX Sent another check for the {$31000.00} with additional amount to pay for charges of {$160.00} XX/XX/XXXX, I called Ally Bank to request the title for the car. Ally Bank refused to send the title and wanted us to make additional payments. The car loan is paid off to them. See the copy of the checks attached below. They have reported my name to the Credit Bureau late for the month of XXXX, XXXX, XXXX and XXXX of this year. Thank you for your attention in this matter XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We mailed an endorsed insurance claim check along with a personal check of mine to Ally Auto Finance using a United States Priority Mail envelope by cutting out the delivery address from the payment slip of the statement and pasting it on the envelope, then personally dropping it off at the post office and paying additional postage. The tracking number on my receipt is XXXX XXXX XXXX XXXX XXXX XXXX and it shows delivered on XX/XX/XXXX at XXXXXXXX XXXX. On my first call two days ago, the representative stated not receiving such payments and on my second call yesterday the representative stated they received the payments and holding them for unknown reasons. I also received text messages that my payments were not made on time due the XXXX of XXXX. insurance check # XXXX in the amount of {$2200.00} personal check # XXXX in the amount of {$350.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX. Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue. Please help Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account opened : XX/XX/XXXX I have had some issues with paying on time and my car was respossed but I had it reinstated. I am back on track and making regular payments every 2 weeks. Ally Auto has been reporting my account on my credit report as closed. This is not true. I have emailed them about the issue. They responded that I needed to call. I called and they said they could not help me and gave me the same phone number I had just called. I emailed them again today. I received an email today XX/XX/XXXX from XXXX XXXX that indicated my score went down. When I looked at what changed, it said that Ally reported between XX/XX/XXXX and XX/XX/XXXX that my account was closed. They also added the following remark : Consumer disputes after resolution Redeemed or reinstated repossession Fixed rate. My car is not repossessed and the account is not closed. This is hurting my credit score and my chances of helping my son get a parent loan for college this fall.
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: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Yes I've been trying too get another car exstention on loan. Due too hardship. I'm XXXX XXXX XXXX living paycheck too paycheck. Trying too make ends meet. Been diagnosed with XXXX. Also on SSDI. Now ally bank. Every time I call them for another car exstention. I get the run around. They run my information into some bot. Computer. Get denied. Only asking for 1more month. Trying too avoid putting car into XXXX XXXXbanktupsy. Wana try work with them too avoid XXXX XXXX. Know body wins in the end with XXXX XXXX. Wana work with them. Also please have a top Manager get back too me. Don't want same old person on my case getting back too me. This same old guy is pathetic also my landlord raised my rent too
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: They keep giving me excuses that the late fees were for previous months. In XXXX I paid two payments, paying off the card XX/XX/23 ( due date XX/XX/23 ) and was charged {$40.00} late fee. Purchased an item on XX/XX/23, paid two payments one on XX/XX/23 and one on XX/XX/23 which paid the account off again. Received a late fee of {$27.00}. Made two charges on XX/XX/23 to XXXX which was only supposed to be {$72.00} but was charged {$180.00} ( disputed all but {$72.00} on XX/XX/23 - still havent got a response ), and the second charge of {$210.00} for the XXXX XXXX on XX/XX/23 for one night stay ; I now have a pending ( suspicious ) charge for the XXXX XXXX for {$20.00} dollars dated XX/XX/23. I checked in on the XXXX and checked out on the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My loan for my car payment is showing a past due amount of {$590.00}. I made a payment of {$220.00} on XX/XX/23 and this payment should be applied for half of the payment for the month of XXXX. I should not be past due of {$440.00} for the month of XXXX. These funds were not applied to the account correctly. I have reached out to the customer service dept several times regarding this issue, and nothing have been resolved. I talk to a supervisor XXXX ID # : XXXX ( Customer Solution Team ) on XX/XX/23 and was told my payment that was made will be allocated correctly and was waiting for payment to clear. I also was told from supervisor XXXX that she was advised from the payment research dept that nothing needed to be done and everything will be applied correctly. So, as of now my account is still not correct at all. I have been having the worst experience with Ally Financial for many years. This company does not take the initiative to assist their customers about their issues nor to investigate the problem. Also, I was told I had two more payments remaining on the account and it still shows an outstanding balance of {$8800.00}. I would like for this issue to be escalated higher up to the CEO, because no one in customer service is not willing to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: Ollo/Ally Acct ending XXXX. My account is currently and ALWAYS has been in Exceptional standing. I was NEVER late, I NEVER missed a payment, paid MORE than required and NEVER went over the limit. As a matter of fact, because I kept my account in such an OUTSTANDING status, I have received TWO AUTOMATIC credit limit increases in less that 1 year! However, from the very beginning, you consistently, fraudulently reported this account to the Credit Reporting Agencies as having MISSED payments, NO payments, and being OVER THE LIMIT. You gave me an increase, did not report it to the CRA 's. When I disputed the incorrect balances & credit limit, you corrected it. Then 3 days later, you subtracted the increase on my credit report. Even after I REPEATEDLY disputed all false, inaccurate information, you CONTINUOUSLY and DISHONESTLY responded, saying your credit reporting was verified and ACCURATE. This is an act of FRAUD because you KNOWINGLY and INTENTIONALLY reported false, inaccurate information about me & my finances to all the major credit reporting agencies. You also withheld information, by refusing to report my payments. My score dropped DRASTICALLY, due to you FRAUDULENTLY reporting my account being OVER THE LIMIT 2 months in a row. When I applied for credit, I was denied, because this FALSE, INACCURATE information was seen by other companies. You have violated my consumer rights and broken so many consumer laws. To prove you violated me, Every single one of those FRAUDULENT, FALSE, INACCURATE reports and statuses were FINALLY REMOVED AND CORRECTED by you, on all the 4 major credit reporting agencies reports. I DESERVE to be compensated for these violations. This has been BEYOND stressful and EMBARRASSING!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A