Date Received: 2024-01-25
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: On XX/XX/XXXX we began making aggressive payments on our auto loan, the first amount being {$1100.00}. From then on, we made 8 payments, each daily totaling {$3000.00} until finishing paying off the total amount of the car on XX/XX/XXXX with the last payment being {$2100.00}. All of this totaling {$27000.00}. Then we received the letter from ally stating that our vehicle was fully paid off as of XX/XX/XXXX. Then on XX/XX/XXXX, my bank notified me that Ally had additionally withdrawn 2 payments of {$3000.00} totaling {$6000.00} after my vehicle had been fully paid off. Upon investigation my account on Ally doesnt display these additional transactions ; my bank statements however, do. On XX/XX/XXXX I called Ally customer service to inquire about these additional transactions that I did not authorize. They claimed that they had no record of the additional charges of {$6000.00}. After a bit of back and forth, the customer service representative informed me that they spoke to another department in Ally and they had record of an additional {$3000.00} charged after the vehicle was paid off, but not the full amount of {$6000.00} that they charged me. They instructed me to fax ally a copy of my bank statements for the period of time that these charges occurred, along with my ally account number, and to request reimbursement. On XX/XX/XXXX, I faxed to Ally Auto a copy of my reimbursement request, bank statements, the letter stating that Ive paid off my vehicle in full as of XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Auto customer service again to verify that they received my faxed documents and when to expect my reimbursement. The customer service agent claimed that there were no charges that occurred on XX/XX/XXXX, that they had no record of these charges being made, that they never received {$6000.00} on XX/XX/XXXX, despite what my bank statements say. They could not transfer me to a more helpful department. They requested that I wait 20 days for these charges to show in my account, they also offered no callback numbers or any recourse to take should these charges not be automatically refunded after the 20 days have passed. It was on this day, XX/XX/XXXX, that I sold the vehicle, a XXXX XXXX XXXX, to XXXX as Ally was no longer the legal owner or lien holder of the vehicle. 31 business days after the charges were posted, on XX/XX/XXXX, I contacted XXXX XXXX XXXXXXXX to file a claim as Ally had withdrawn the {$6000.00} without my permission and without cause. I received 2 temporary credits, each for {$3000.00} for each fraudulent charge made on XX/XX/XXXX. After which, on XX/XX/XXXX, Ally sent me 2 emails informing me that they had returned 2 payments I had scheduled and completed towards my vehicle on XX/XX/XXXX, each for {$3000.00}, not the 2 fraudulent charges made on XX/XX/XXXX, and is now claiming I have a remaining balance of {$8600.00} ( {$6000.00} of returned charges with {$2600.00} of retroactive interest ) on a vehicle I had fully paid off as of XX/XX/XXXX. As of XX/XX/XXXX I have received notice that the loan balance is being written as charged off and have reason to believe that Ally is attempting to sell this erroneous debt to a collections agency after denying us recourse and refusing to resolve the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98108
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX24 Opened account with Ally and deposited check ( pay check from employer ) via their mobile banking app, time frame for when check would appear in account was 5 working days. XXXX/XXXX/24 Balance from check appears in Ally checking account- have yet to receive Ally debit card in the mail however, so decide to transfer a portion of the checking balance onto a prepaid credit card ( XXXX card ) to use for groceries, utilities etc until the Ally debit card arrives. Attempted to do this through XXXX, but hold was placed on the transfer, prompted to call Ally to remove this hold. Did so, but they were unable to remove the hold and ended up restricting my Ally checking account ( and savings account ) also. Have called Ally multiple times since, seeking an estimated timeframe for when access will be restored to my account but have not been given any answer. I find this unacceptable as all my money is in this account, so I have no means to purchase groceries, pay utilities, rent etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX of last year, XXXX I informed Ally bank that I was disputing a XXXX charge of {$59.00} because the food made me XXXX XXXX XXXX XXXX. The process was frustrating, stressful, and induced XXXX XXXX XXXX in response. I told them that XXXX could not do anything about a refund after 2 months. But it went in XXXX XXXX and out the other. I sent them screenshots of emails from XXXX telling telling me that there was nothing that could be done because after 60 days, they are unable to issue refunds. Ally bank insisted on an investigation that would take 90 days starting on XX/XX/XXXX and it finished apparently three days before XX/XX/XXXX. Saying that the transaction was valid. It's been constant in going back and forth between Ally to XXXX XXXX, from XXXX to Ally bank. I'm tired of being treated as if I'm the XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX on the way to the XXXX XXXX XXXX I'm having them reopen this again because I do not accept their decision. Even XXXX said in an email that it should just be refunded, but apparently they want to hear that from XXXX and I keep telling them XXXX can't do refunds after 60 days. Ally Bank was the worst mistake I went with. And I am hoping that you guys or even the NY AG can help get my money back as I've done everything possible, filled out their forms, sent it back through Ally secure message but their delay was the reason why XXXX couldn't refund it and they won't even admit that it was their ( Ally 's ) delay that screwed me over. I have experienced nothing but excessive stress, XXXX XXXX XXXX, pounding in my head from dealing with Ally 90 % through the chat function than over the phone. I went with the Chat option because I wanted transcripts of what they said. But I'm done with Ally. I'm done with their drama, their politics, their gaslighting, their placating, I've had enough. I still have all of the emails I have from XXXX and then the received messages from Ally that I can screen shot. When I told them I was going to contact the CFPB and the NY AG, I got the strongest sensation that they thought I was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on Ally Financial. As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including XXXX and XXXX, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like Ally Financial to safeguard customer privacy and protect nonpublic personal information. I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, Ally Financial and the consumer reporting agencies, XXXX and XXXX, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. It has come to my attention that Ally Financial failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law. Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. XXXX and XXXX currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes. Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA. In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of these inquiries, my social security number has been compromised and because of this illegal activity according to 15 USC 1681c-2, I expect to have all inquiries removed within 4 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I applied for An Extension Of My credit as the true creditor. I was Falsely denied My Extension of Us Cod 15 1611 & 12 US Code 1411.I stated that false and misleading if ones own credit is Illegal. I asked to speak with the underwriter and they also denied me. I asked for a copy of my Credit Application they didnt comply. This matter has held up the growth of my business and more. After I was denied, ask request that they remove the hard inquiry from my credit report, because a hard inquiry is considered a transaction for one extension of credit I didnt receive. I also ask.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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 paid off my vehicle, but the lien holder had the physical title and placed an electric lien on the title. I have spoken to a few representatives and requested they submit the request to remove the lien, but they insist their is not electronic lien. I then tried to provide the phone number provided by XXXX to them to verify but the stated they can not call a 3rd party. I requested to file a complaint, but have not hear anything back. They have advised they can only send me the payoff letter and I can take that to the XXXX, but they have already advise me they will not accept it and the request has to come from the bank directly and internally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXXXXXX XXXX while using the Ally Bank app, I encountered a prominently displayed offer stating, 'Pre-approved! Get 0 % APR for 15 mos. with Ally 's Everyday Cash Back Mastercard. 22.99 % APR after. Get Offer. ' This was positioned above my account balances, giving the impression of an exclusive, direct offer from Ally Bank. There were no disclaimers or indications that this was subject to credit approval or involved a third party. Believing in the legitimacy of this pre-approval, I proceeded to apply for the card because I wanted to strengthen my relationship with Ally Bank as I intend to apply for a mortgage in the near future. My financial standing at the time included a credit score of over XXXX, with responsible credit usage ( less than 6 % of my available credit ), no debt collections, no late payments in more than five years, and a very strong financial profile. However, to my surprise, the application was denied. This denial was not only unexpected given the 'pre-approved " status but also adversely affected my credit score, as it introduced an unnecessary inquiry. Following this, I reached out to Ally Bank seeking explanations and resolutions. I asked for specific details on why the offer was presented as a pre-approval when my application was eventually subject to further scrutiny and denial. Furthermore, I inquired about the measures they could take to rectify the situation, such as removing the credit inquiry from my report or reconsidering the application in light of the misleading information provided and the very reasonable belief that this had to be a mistake. The responses from Ally Bank were inadequate, even hostile by a supervisor, failing to address the core issues of misleading presentation and its impact on my credit. There was no satisfactory explanation provided for the discrepancy between the offer and the actual application process, nor were there any concrete steps proposed to amend the negative impact on my credit score. There was literally no way for me to escalate the matter internally that might have led to a fair resolution. I would also like to note I continue to receive this offer in the app, even after being denied, and Ally Bank will not provide an explanation for this. Honestly, it just feels like pouring salt in the wound. I will attach these screenshots to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40356
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, XXXX XXXX and Ally Bank on XX/XX/2023. These have negatively impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A