Date Received: 2023-04-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally financial I have my car financed with Ally Financial and my account number XXXX Car details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I refinanced my vehicle through XXXX XXXX XXXX XXXX and they have sent the payoff check via XXXX on XX/XX/XXXX, XXXX tracking is XXXX and XXXX shows it was delivered on XX/XX/XXXX at XXXX and signed for by XXXX XXXX Check # XXXX amount {$50000.00}. My complaint is : Ally financial has not taken any action to payoff my vehicle, the customer service employees have very poor service and they dont have any information about the check or the whole situation and they dont have another number for their financial team who supposedly received the check and get my car payed off. Please help me to resolve this issue. Best Regards, XXXX XXXX XXXX
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: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 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: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
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: I have repeatedly requested copies of lean release letters five times since XX/XX/23. I received a copy that omitted the correct and complete make and model of the vehicle after the second request. Illinois DMV rejected the letters to obtain replacement titles because the make and model listed on the documents are incorrect. I have requested corrected copies three times since receiving the copies date XXXX. I am told to wait 7 - 10 business days each time I call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally was informed on via CFPB complaints on XX/XX/22, XX/XX/22 and XX/XX/22 that this lease was submitted to Ally by XXXX ( auto dealership ) using fraudulent documents ( my signature is forged on the purchase order ). Ally has demonstrated relentlessly habitual bad-faith in investigating this matter. Ally has provided no response to claims of forged documents being submitted, and has conducted no investigation. Ally has made clear they are aware of and condone funding auto leases predicated on fraudulently submitted documents. Any response to this complaint by Ally that does not specifically address the fraudulently submitted purchase order will be considered an admission of guilt and should include the appropriate legal contact information for submission of summons and subpoenas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Description of Complaint : In XX/XX/2022 I paid a 6 month permium for my XXXX vehicle Insurance. When I authorized this payment I was clear with the XXXX Representative this was a one-time payment only and that I do not authorize any further charges on this card. In XXXX XXXX proceeded to charge my card for {$980.00} for my XXXX XXXX XXXX. I called the XXXX XXXX Services and Filed a fraud charge. XXXX gave a provisional credit. Then on XX/XX/2022 XXXX took the credit away and charged me {$980.00}. I called XXXX and they sent me documentation showing that XXXX completed a reversal back to XXXX XXXX on XX/XX/2022 therefore my credit card showed have reflected a credit. have literally been on the phone with XXXX XXXX weekly as well as I have faxed numerous times the information showing XXXX that XXXX completed a reversal back to the XXXX card and due to non payment their is no Insurance active due to non-payment. XXXX refuses to credit my credit back along with the interest. XXXX XXXX has stolen {$980.00} of my money plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Every month for the last couple of years, since XXXX, I am charged fees that are not explained to me. I am not able to pay these fees online as the online site or application does not offer the capability to choose to pay separately. I can not pay using the regular payment method as i have called previously to inquire, and was told if i pay any extra money online, it would go towards the interest only and not to fees. Since there is no available to option to pay these, I am not sure how Ally is permitted to charge the fees. Also, i contacted them on XX/XX/XXXX to inquire on privately selling vehicle while having a lien, and i was told they could not help me due to system maintenance and i would need to call back another time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ally Bank has been acting in bad faith regarding request for loan assistance. They have denied us access to monthly fees incurred. Additionally, they have denied receiving documents from us that are clearly shown as received on their portal. They do not allow us to speak with anyone regarding our loan nor regarding our request for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have bene locked out of my Ally bank account at least 8 times over the past 4 months with 3 of the times happing over the past 30 days. It is not human error. In the past then Ally has fixed the issue I am locked out within 24 to 48 hours again. Today they could not even fix it so I can log on at all. I wanted to log on to check all my auto payments so I can migrate them to a new XXXX account I opened, but I am unable to. Ally said it may be fixed tomorrow and I might have access then.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc . This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX. The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter. I contacted the financial institution once again today to ask where my Title and Lien Release are. They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me. The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made. I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account. They checked electronically as well and did not have anything there either. Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me. I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk. The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio. I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process. I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution. I may have to ask for a court ordered title at this point
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53593
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am having problems rolling out some of my XXXX XXXX fund from Ally Bank to XXXX There have been a lot of issues, some from the receiving XXXX entity but also from Ally that has given a lot of wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A