Date Received: 2023-04-25
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was backed up on 2 payments and kept in contact with the company and made a promise to pay. I had told them I would pay on the XXXX but payed on the XXXX of XXXX. I did not have enough funds to pay {$650.00} and paid {$520.00} towards my passed due balance. The payment processed on the XXXX of XXXX and did not think anything of it. I had also told them I was making another payment on the XXXX of XXXX but on the XXXX at XXXX my car was repossessed. I called the same day to see why they repossessed it and said I had to wait 24 hours to get info and what I had to pay. So I called back today XX/XX/23 and asked why it was repossessed after I had made a payment and was told because I was behind on payments. Even though I had already worked it out was going to make the payments and they received my first payment on the XXXX of XXXX they still sent out for my car to be repossessed on the XXXX of XXXX. Im not sure why they did not want to help me or repossessed my car if I was always in contact with them and let them know I would pay and actually made a payment and didnt let me make another payment without speaking to me. I dont believe this company should have repossessed my car if I had made a payment and was always in contact and was going to keep paying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking and savings account with the the promo of getting {$250.00} deposit after 30 days but it's been over 60 days. I've called numerous times but I can't get any results. Every representative I've spoken to admits that I've completed the requirements and I'm due this money but unfortunately I just keep getting call back promises but it never happens. I don't know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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 has violated my rights under 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 an account without my written instructions. under 15 USCS 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. I have sent several certified letters to these companies, Ally Financial # XXXX, XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: 1 ) Ally Financial have been allocating the payments I specifically designated as going towards the PRINCIPAL amount of the loan, to the Finance Charges Paid. By doing this they are collecting much more Finance Charges than they agreed upon. Please, see the attached payment history I received from Ally XXXX XX/XX/XXXX. For example please take a look at the last payment I made on XX/XX/XXXX, I had already paid XXXX payment due on XX/XX/XXXX. I designated the entire {$200.00} to the loan Principal, Ally allocated only {$170.00} to the principal and {$23.00} to Finance Charges Paid. This is not just this payment, please look at payment for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX amount was allocated to the loan principal. 2 ) Ally claim that I asked for 180 days extension to the loan, that is ABSOLUTELY FALSE. Please, see payment made on XX/XX/XXXX, then on XX/XX/XXXX, that is only 120 days. I called Ally in XXXX of XXXX asking if I can postpone my XX/XX/XXXX payment due to COVID 19, they offered me 3 additional months, they failed to explain that I will be charged all these outrageous Finance Charges. 3 ) Ally took advantage of my circumstance, that I had only a couple of hours to either buy my leased car or turned on. Yes, I had some family emergency and I was working and XXXX XXXX told me it will be very simple to buy the car and finance it at the dealer. I had a very good job at the time, and my credit score was very good. Yes, I signed the agreement, however, the interest rate I charged was much higher than it should be. I am hoping by bringing all this up is that the CFPB take a strong action towards Ally Financial so they stop using these tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: hi, i have a late payment with ALLY FINCL which is not accurate as I always paid my bills on time. i was trying to get a mortgage, but my lender said I had a late payment from years ago and really want it remove as according to consumer law & the fcra unveriable items must be deleted off my credit report. 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. please remove this late payment on account : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial has violated my rights. they say multiple times they refuse to remove the inquiry on XXXX in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My lease vehicle was stolen from a dealership XX/XX/2023, whilst in for a repair and my insurance company paid the lease company Ally Financial, a valuation much higher that what was remaining on the lease. XXXX ( my insurance company ), have paid Ally, {$21000.00}. The lease agreement included, a residual value, {$14000.00} and remaining payments XXXX @ {$220.00}, {$1.00}, XXXX. A total of {$16000.00}. Ally have made an extra profit of circa {$4000.00} because of my mis-fortune and I requested a refund to help with replacing the stolen vehicle. I reasonably expected a large institution to consider my request as we are in a fairly rare circumstance where used car values have increased. Following numerous calls and several letter with the financial institution, Total Loss department, Lease Department, and customer services I was assured that I would receive a call from a supervisor in order achieve satisfactory resolution to our dispute. I contend that a large company should not make a significant gain at my loss. I should receive a refund to help with my hardship. Whereas the lease agreement does not afford me this entitlement, I have been hoping that Ally would make a business decision in line with their mission statement re customer focus. Disappointed that they have not taken the opportunity to show any consideration to my request but simply refer to the contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I reviewed my contract and realized that a gap charge was included in my amount financed I am aware that all fees that are not government or state fees should not be included in the amount financed also, on our paperwork it states a different mileage number than the number that was on the actual dash board of my vehicle so I am not sure which mileage is correct it seems like they could have been misleading me during the sales process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: ask for validation of debt over 30 days ago and they never sent it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank froze all of my bank accounts when I attempted to transfer money to my external bank account, suspecting fraudulent activity. Despite verifying the transfer with them, my money has been held hostage since XX/XX/XXXX. Ally is aware that these accounts are crucial for paying my bills and rent, as well as receiving my paycheck. The day after my accounts were frozen, I received a voicemail from Ally Bank investigator XXXX XXXX, but I haven't been able to contact her since. I've spoken to the fraud prevention department six times, and they keep telling me to wait for XXXX to call back and that they can not directly connect me to her. However, based on the reps ' feedback, XXXX hasn't reviewed my verification answers yet, and I'm still waiting for her to call. It's been almost a week since Ally locked me out of my accounts. The fraud department reps have also given me inconsistent information about various matters, including the initial reason for freezing my accounts, their ability to reach the investigator, their escalation process, and my ability to speak with a supervisor. ************************************************************************************************************** Sequence of events : On XX/XX/XXXX, I linked an external bank account using Ally 's online banking platform and successfully verified two trial deposits. I then proceeded to transfer {$20000.00} from my Ally money market account to my external account. However, on the same day, without any prior contact, Ally froze all of my accounts. ____________________________________________________________________________________ On Thursday, XX/XX/XXXX, I received a voicemail from Ally 's fraud investigator, XXXX XXXX, who requested that I call her back at XXXX to " make sure we're not experiencing any fraud in your bank account. '' Since this number was not listed on Ally 's website, I contacted the fraud hotline provided on their website to ensure that the voicemail was legitimate. The Ally representative informed me that she did not recognize the XXXX number, but transferred me to that very number to speak with their fraud department. It is concerning that Ally Bank reps are not aware of their own phone numbers. The fraud department rep, " XXXX, '' verified my identity and proceeded to ask me questions about my recent banking activities, as well as my internet and cellphone providers. Afterward, he informed me that I needed to wait for the investigator to review my answers and make a decision. He declined my request to transfer me to the investigator and did not provide me with any timelines as to when my case would be reviewed or when the investigator would contact me. He stated that Ally Bank has the right to review my account at any time and refused to resolve the issue even though I had already verified the transaction. As a result, both of my accounts remained frozen. ____________________________________________________________________________________ On XX/XX/XXXX, I called Ally Bank 's fraud department twice and was again stone-walled by both reps. The first rep informed me that my account was frozen because the external account I linked was not under my name, but this didn't make sense as I had opened the external account in my name. She said I must wait for the investigator to call me, which could take up to 30 days. When I asked if the investigator could unfreeze my account without speaking to me due to being in a different time zone, she said she didn't know and that the investigator may need to talk to me about " what not to do next time '', implying that this was my fault. The representative claimed she would escalate my case, but when I called back later, a different representative claimed they had no way to escalate my case. He also refused to let me speak to a supervisor. ____________________________________________________________________________________ On Sunday, XX/XX/XXXX, I spoke to another rep who informed me of two processes that the previous reps failed to follow : 1 ) I can be redirected to the fraud prevention team supervisor 's voicemail for a call back, and 2 ) I can ask the reps to immediately message the investigator, XXXX, to see if she's available to speak with me. When I was surprised the previous reps didn't disclose this information, the rep admitted that some reps aren't friendly or willing to reach out to the investigator. Unfortunately, he couldn't message XXXX himself because she doesn't work on weekends. ____________________________________________________________________________________ On XX/XX/XXXX, I spoke to two different fraud department reps and asked them to contact the XXXX to see if she could speak with me immediately. However, both reps said this was not protocol, they can't contact the investigator directly, and that I was given incorrect information. They offered to transfer me to their supervisor 's voicemail and assured a call back in 24-48 business hours. They also promised to contact their supervisor on their end and one rep said she would contact XXXXXXXX XXXX supervisor as well. According to them, XXXX still hasn't reviewed the answers I provided last Thursday. When I asked the second rep about why my account was frozen, he said it was due to an " invalid '' external account that I linked, not because it was under a different name. This still doesn't make sense as I received two trial deposits from Ally in that external account. I left a voicemail with the fraud department 's supervisor and am waiting for a call back from both the supervisor and XXXX. ************************************************************************************************************** It's distressing that a bank can freeze my accounts without contacting me first, even when I've done nothing wrong. I can't get this issue resolved because I have no way to get in touch with the investigator XXXX XXXX, who holds all the decision power, and she refuses to review my case in a timely manner. This should have been resolved in a few hours or, at most, by the next day. Ally Bank has failed to show any sense of urgency in helping me regain access to my money, despite knowing that I rely on these accounts to pay my bills, buy groceries, and pay rent. Freezing customers out of all their bank accounts and expecting them to wait 30 days for an investigator to review basic information is unacceptable and should not be considered a security protocol.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A