Date Received: 2023-03-16
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: XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments. We helped him purchase a truck with down payment money in XXXX. After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current. After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved. We didnt balance our checking accounts as we dont live outside of our financial means. My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred. We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail. We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location. Our attorney advised us not to pay it off at first and make the payments which we did. Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that. They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate. We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed. They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed. So someone suggested we reach out to CFPB. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Contacted Ally via chat on XX/XX/2023 to close my checking account after calling and being on hold more than 30 minutes. I told XXXX from Florida more than a dozen times to cancel the account but she kept asking questions and telling me about products trying to get me to change my mind. Chat lasted more than 15 minutes and she refused to close the account unless I gave her access to an external account. Checking balance is {$0.00} and interest would be less than XXXX cents so its not like they are going to send that to me anyway and its just a scam to get permission to conduct transactions on an external bank account. They have all my info and could send a check if need be but XXXX continued to request access to an external bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to remove late payments on my credit report from my auto loan financed by Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I enrolled the " Move money promotion '' from Ally bank back in XXXX last year. " Move money into eligible saving account and get 1 % bonus ''. I move {$50000.00} into my saving and satisifed all the condition by keeping the money in the account. Base on the term, I should get the bonus by XX/XX/23. I still hasn't get my bonus yet. Call them few times but still hasn't received my bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX received check from XXXX XXXX XXXX ( XXXX ) for XXXX for final payment of work performed on house. Check was made out to me, my wife, and XXXX XXXX. XXXX All the parties endorsed the check and it was mailed to Ally. XXXX Ally contact my wife to inform her they would NOT be accepting the check. XXXX XXXX informed us they couldn't reissue a check due to Ally negotiating the check. XXXX provided proof of negotiated check. Multiple phone calls from Ally stating they are sending either my wife and I a check or the insurance company. XXXX -received check from ALLY for XXXX made out to my wife and I and XXXX from ALLY. ( NOT THE INSURANCE CHECK ) XXXX wife took check to truist who has REFUSED TO ENDORSE THE NEW CHECK and has informed me they didn't need to be on the check. XXXX Ally wants me to send their check back so they can cancel it. Then reissue the check to the insurance company so they can send me a check for the amount AGAIN. We are currently still out {$21000.00} and are being yanked around by Ally bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I had setup an auto draft from my checking account, the auto draft was setup from an account where I've always used to make payments from. Ally never requested the money from my account and took weeks before I knew there was an issue and only knew after checking online myself to make a payment. At this point Ally 's system did not allow me to make any payments and I spoke to a rep about assistance that they offer. I advised the agent that I did not want to go through a lengthy modification but will be open to a deferment or forbearance as long as a back and forth paper work wasn't required. I offered to make payment at that time but they refused to take it saying I will need to pay 2 - 3 months worth cause they're system wont take anything less. I left it to review myself and investigate why the funds from my account were not taken as scheduled. I called again and spoke to someone shortly afterwards when a letter was received saying that my mortgage was under review for modification and that they had received my documents. This puzzled me cause I did not submit any applications but visited a site they gave me to look into options, I explained this to the rep and she recommended I stay with the modification as it was in review. I again asked if I could at least make 2 months worth of payments to avoid going any more behind, the rep said she would be able to take the payments but the assistance review will be ongoing. I was ok with that as long as they were taking my payments, this was contrary to what they told me a few weeks back cause at that point they did not want to take any payments cause it was under review by underwriting. I told the rep that I will only move forward for a deferment or forbearance if no other documents are required. It is not because I don't have or can't attain any of the requested documents but I do not want to go through the hassle of getting these and sending it back and forth. They advised that no documents were needed as they had everything they need to review so I left it alone since they at least took 2 months worth of payments, This week I received another email from Ally requesting documentation, called and spoke to a rep who did not want to transfer me to a supervisor even after repeatedly asking to do so. She like her other colleagues said the system won't let me make payments one it gets to a certain point which I advised that I would be setting up payment for 2 months worth to come out in XXXX, The rep was very unhelpful at which point I decided to end the call and file a complaint. I'm seeing a pattern that it depends on who you talk to at ally that you will eventually get the right information and the right help. This last call made on XX/XX/23 was not one of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My Ally Bank CD matured on XX/XX/2023 in the amount of {$170000.00}. Ally Bank was notified on many occasions, both oral and written that I will be closing my CD at maturity. The written and oral correspondence to close my CD is immense and started on XX/XX/2023. Instead of closing my CD, Ally Bank renewed my CD. Ally Bank has not corrected this matter, even though the written documentation between us states otherwise. On XX/XX/2023, I asked Ally Bank to have their supervisor with authority call me to resolve this matter immediately, no call to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59602
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A