Date Received: 2023-02-10
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: Dear Ally Bank, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Ally Bank ) are " requiring '' a cash down payment. I am demanding that Ally Bank provide verification of XXXX XXXX, XXXX, statements that Ally Bank are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a car from XXXX XXXX. Financed through Ally Loans. When I purchased the car I asked for a hard copy of the purchase, the interest rate, the payment book. I received none none of them. I was verbally told XXXX a month by the person who sold the car. Several years later I spoke to ally financial about a double payment. And to refund the other payment. They refused and said I owed it. That XXXX payment wasnt made. I got copies of 12 months of consecutive payments. Then I called again. And she said the car payment was XXXX not XXXX and I owed for all the times I didnt pay the extra XXXX dollars. Also, they never refunded the XXXX I paid twice for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX Ally Bank The 1099 INT that was given to me for the year XXXX is wrong. I did call Ally but the person on the phone did not want to hear what I had to say and hung up on me. Allys CD calculated interest is posted ( added to the total ) at the end of the CD term. The CD accrues interest daily and is stated on the monthly statement but is not added to the balance. The 1099-INT that Ally gave me is for the total interested added to the CD at the end of the CD term not the actual interest earned for the year XXXX. As seen in the bank statements provided. I earned {$940.00} from XX/XX/XXXX to XXXX XXXXXXXX year. It clearly states on my bank statement for XX/XX/XXXX the interest I earned for the year XXXX is {$320.00} not {$940.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took out the loan in XXXX with GMAC, for {$25000.00} and paid {$200.00} for 15 years, the amount of time on the loan. Last Paymet due XX/XX/XXXX. Never missing a payment, even through Covid. The interest was 9 %. I did not realize the loan had ended, and kept paying through XXXX. Now the Company that GMAC sold the loan to is demanding {$11000.00} plus dollars Now, calling the loan. If anything I believe that they owe me money, yet are threatening me with forclosure. I have all of my paper work, yet ALLY will not even give me the time of day, This is a second mortgage loan. # XXXX I really believe that I am being cheated. I did pay this loan off according to the contract,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear Ally XXXX Offices, CC : CPFB and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : incorrect bonus I spoke XXXX this evening when I saw the getpaid bonus. I was told I was only being paid {$54.00} because I closed the 11 month CD and opened more. The funds remained in my individual name which the new month total {$50000.00} was brought in and funded on XX/XX/XXXX CD xxx XXXX. I was told there would be no issue closing the CD and opening another one as long as the funds stayed with ALLY. I continued to ask these questions and was re-assured that the bonus would be paid in full 1 % x {$50000.00} = {$500.00}. I have been a customer for many years and I even spoke to a representative last week who said if there is an issue to call customer service. I explained to XXXX during the call tonight XX/XX/XXXX @ XXXX PST. She was not willing to assist, open a research ticket, and was rude by just reading your terms and conditions. The {$50000.00} was a new CD in my name XXXX XXXX, XXXX were closed and transfer performed by Ally who on the recorded calls stated it would not effect my bonus, the funds remained in there the entire time through the period XX/XX/XXXX and are still in there as of today. I am looking for someone to rectify this ASAP. Please research this and call me at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: they swaped my car with a clone after purchase was not what i test grove help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15642
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Im am going to a health issue which is causing me to having financial hardship and not able to work. However the vehicle is broken and not drive-able due to coolant tank being blown the total cost for the vehicle to be fix is XXXX dollars that I dont have due to me not able to work, while receiving non stop calls after hours pass XXXX and receiving calls early morning before XXXX XXXX which is a violation of the FDCPA also stated on you guys website as well that I should not receive any calls however I do as reported previously but I also have been threatened that the vehicle will be repossessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On Saturday, XXXX XXXX XXXX XXXX sent a comfort advisor to my home to recommend an HVAC installation. I was quoted XXXX XXXX dollars to install two units. On Sunday, I declined to proceed with the order. My representative was notified by text and email and assured me he would cancel all on his end. I was pre-approved for financing through ALLY Financial. On Tuesday I received documents as attached. I called ALLY on Tuesday morning about my application and was told by then that the allocation was declined on Sunday XXXX and no further action was needed on my part upon as king for a fax number to send rescission documents to. I have attached my phone call and the documents labeled nonnegotiable to this complaint. At approximately XXXX XXXX on Wednesday XX/XX/XXXX, I received an email from ALLy notifying me that they have received my signed agreement and awaiting disbursement to XXXX XXXX. I was told the application was denied and no further processing would continue. The call was made to ALLY ended at XXXX XXXX and lasted for 21 minutes. Further more the documents attached tell me to rescind within three days of the date of notice above. The date is no where on the forms they sent me making it impossible for consumers to rescind. I have attached the response from XXXX rep XXXX told me Ally would be cancelled on his end. It is important that disbursements do not take place. It is important that this item is not included in standard credit reporting as a new tradeline to my credit report damaging my credit. Further this loan should not have been declined it should have been withdrawn. They should not have declined me. It is not a fair decision after sending me an approval by email. they need to check their records to ensure there is no further processing of this loan. If it hits my credit report it will be damaging. I have contacted my representative to cancel orders the next day. I also contacted ALLY and was told the loan was denied as of XX/XX/XXXX which was the day I cancelled with XXXX Please help them to facilitate how to handle this accordingly so that my credit is damaged as a result of processing up to the point. Further I recieved the loan documents on Tuesday with an option to cancel by midnight of the same day by mail or physical delivery an hour and half from my home. If I have three days to rescind they should have emailed it too instead. XXXX XXXX should not be making requests for any orders because I cancelled installation. The rep cancelled it upon receiving a complaint about his proposal from my by email on Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial claimed they did not receive XXXX XXXX XXXX of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A