Date Received: 2023-02-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX ) Complaint filed with CFPB XX/XX/22 ( # XXXX ) AND COMPANY FAILED TO COMPLY AND DO WHAT WAS REQUIRED OF THEM WITHIN 20 DAYS AS REQUIRED BY FEDERAL LAW. 2 ) VIOLATED 15 USC 1635 ( a ) - Never disclosed to me CLEARLY and CONSPICUOUSLY and PROVIDE APPROPRIATE FORMS of my RIGHT to Rescind. 3 ) VIOLATED 15 USC 1635 ( b ) - SEE ATTACHMENTS 4 ) VIOLATED 15 USC 1605 ( a ) - SEE ATTACHMENTS 5 ) VIOLATED 15 USC 1692 ( j ) - FALSE AND DECEPTIVE FORMS -SEE ATTACHMENTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've Been a Victom of Idenity theft My identity been compromised there has been accounts open under my name withount my Knowledge i let the consumer know that i had no idea of the account I've Placed a Fraud alert on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I am writing this complaint because Ally Bank is not doing the right thing by it customers. I was in the process of buying my leased vehicle and had started the process prior. Unfortunately i got into a car accident on XX/XX/XXXX and the insurance company deemed the car as totaled. The market Value of my truck was XXXX and the buyback or payoff for the truck was XXXX dollars. Any normal finance company will do the right thing as the vehicle will be paid off the difference would of been sent to the customer. If i had not gotten into a car accident i would of traded the vehicle in and received those funds towards a new car. When i called the first few days i was told " on a recorded line '' by a representative named XXXX that i will receive the difference sent to me via check. I waited a week and called in to be told that i wouldnt get anything back and that ally owns the car. I suggested that i can buy the car in cash and was told that i couldnt do that due to the nature that the car is totaled. This feels like a fradulent activity and that Ally should be held accountable, I demand a refund of the money that the car was overpaid for due to the fact that i had started the process prior to the accident and have an option to buy the car. I was told no that i couldnt even purchase the car. I would of gladly been paid off by the insurance company and kept the excess cash to be placed on the purchase of a new vehicle. I want Ally to make this right and to do the right thing for its customers. I feel betrayed, lied to and taken advantage of. Getting transferred from XXXX place to another being told things that were untrue and then now being told that i am not entitled to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am the co-signor on this auto loan that was purchased in XXXX. In XXXX, a payment was made on XX/XX/XXXX for {$850.00}, on XX/XX/XXXX for {$650.00} and I promise to pay on XX/XX/XXXX which will be XX/XX/XXXX payment. I have received phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX, Called my co-worker XX/XX/XXXX and XX/XX/XXXX ; called my neighbor XX/XX/XXXX ( 3 times ), I have asked the collection agency in XX/XX/XXXX to stop harassing me with the phone calls. I have asked the collection agency in XX/XX/XXXX to stop harassing me and my neighbor and my co-worker with the phone calls, and they stated that they would put in their notes to stop calling me and my neighbor and my co-worker, but they have Not Stopped the calls as of today XX/XX/XXXX. I am at work, and they continue to harass me about a payment while I am trying to do my job at work. I continue to tell them that this needs to Stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I tried to use XXXX with my Ally checking acct on XX/XX/2023 to send {$460.00} to a contact XXXX XXXX. I got a message from Ally bank that I needed to call them to verify my identity. I have called four times and every time the customer service rep for Ally says it has been verified and the hold on XXXX transfer to XXXX XXXX removed and transaction should go through now. It has not released hold on XXXX acct. Now Ally says they can not help me remove the hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Vehicle was a total loss on XX/XX/2022. XXXX was the primary insurance company and Ally carries the XXXX insurance. XXXX paid off the bank. Ally is refusing to accept the Vehicle Valuation Form from XXXX. This form has been submitted XXXX or XXXX times and after a few days of delay each time they reject it with no reasoning given. Only twice have they even sent a notice that they were rejecting it. Again, not noting the reason. After a few calls, I finally got someone there to tell me it's because of the lack of financial information on the valuation. This form they're requesting comes from XXXX, and I have ( nor they ) have any control over it. XXXX 's claims XXXX was familiar with this and stated " Ally does this ''. So apparently it's not uncommon, and appears to be a delay or denial tactic to get out of paying. All - EVERY single one - of the amounts they were requesting on the sample document were included on other forms that Ally ACCEPTED.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The said car had been given back because I could no longer afford the payments. There was a payment plan set up then it was to be suspended because the car had been sold at auction on XX/XX/XXXX. When I returned the car I no longer had access to ALLY AUTO accounts and the remaining balance was given to XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Then on XX/XX/XXXX after the car was sold, they attempted to retrieve money from my checking account. They were unsuccessful so they retried the payment on XX/XX/XXXX and took money from my account. They did not remove my checking information when I had no access after giving the car back. I am disputing it with my bank to get my money back. ALLY no longer has the account, I have to set an arrangement with XXXX for the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been trying to work with Ally Auto for the last couple months. Contact efforts to their purported designated departments have been made by me by phone, online, email, and in writing. Their operations are broken, they do not respond, can not comprehend basic account assistance requests or accomplish anything relevant to servicing my needs at all. An internal escalation request was filed more than XXXX month ago with no follow up. A second external escalation has been filed XXXX weeks ago with no courtesy of a return response to date. This now serves as the third escalation attempt here. Please expedite assigning my loan to a competent person at Ally, I can be reached via XXXX I look forward to resolving my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally lost my money for a several days. On XX/XX/XXXX I requested funds be transferred to Non-Ally accounts. The funds left my account that day. On XX/XX/XXXX ( 7 days later ) the funds were returned to my account saying Ally couldn't transfer the funds they way they initially recommended. They told me lots of stories why the funds weren't returned for 7 days - none of the stories were the same. On that same day at XXXX XXXX ET I requested funds be wired out of the account on their recommendation that it was the best and fastest way to get the money. As of Friday XX/XX/XXXX at XXXX XXXX ET the wire request still has not been completed. From XX/XX/XXXX to XX/XX/XXXX Ally has only apologized and told me things take time and gave lots of reasons why they couldn't/would n't release the funds. I have not receive 1 penny of interest on the account and have incurred transaction fees since the funds weren't made available to me when I requested them. There devil is in the details and I have a LOT of details on one mess-up after another since this whole thing started on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A