Date Received: 2023-01-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Complaint # 1XXXX Violation Of State Rules ( XXXX ) Violation of any Advertising Rule ( XXXX ) by any licensee shall be considered a prima facie violation of XXXX. XXXX ( XXXX ) or XXXX. XXXX ( a ) ( XXXX ) ( D ). RULES OF THE ARKANSAS XXXX XXXX XXXX RULE XXXX ADVERTISING XXXX. ADVERTISING GUIDELINES FOR SALE OR LEASE OF NEW AND USED MOTOR VEHICLES : A. General Advertising Guidelines ( XXXX ) The advertised price of a motor vehicle must be the full cash price for which the dealer will sell or lease the vehicle to any consumer and shall exclude only the following charges : ( a ) State , county, local and other applicable taxes, ( b ) License fees, and ( c ) Title fees. Charges including but not limited to dealer service and handling fees, freight and transportation fees, and preparation fees must be included in the advertised price. *Retail Installment contract contains a separate dealer service and handling fee of {$120.00} outside of advertised price. B. False or misleading advertising. ( XXXX ) Licensee shall not use false or misleading advertising. ( XXXX ) All advertising shall be in plain language, with disclosures of material facts that are clear and conspicuous and non-deceptive. By way of example and not limitation, the following are in violation of this rule : ( a ) Direct statements or reasonable inferences that have the tendency to mislead consumer ; ( b ) Advertising whose overall impression has the tendency to mislead consumers ( c ) Disclaimers or disclosures that contradict, confuse, or unreasonably limit or significantly alter a principal message of an advertisement ; ( d ) The failure to make clear and conspicuous disclosures of limitations, disclaimers, qualifications, conditions, exclusions or restrictions ; ( XXXX ) Statements susceptible to both a misleading and a truthful interpretation ; and ( f ) Deceptive statements, even though the true facts are subsequently made known to the consumer *Car was in need of painting and XXXX stated that they would take care of it without charge. Later, {$790.00} added. Complaint # XXXX Violation of Federal Rules # 1 The Gramm-Leach-Bliley Act ( FTC ) Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. *I was never presented with an opportunity to opt out # 2 Truth In Lending Act Subpart CClosed-End Credit XXXX General disclosure requirements. ( a ) Form of disclosures. ( XXXX ) The creditor shall make the disclosures required by this subpart clearly and conspicuously in writing, in a form that the consumer may keep. The disclosures required by this subpart may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( XXXX XXXX ) ( XXXX U.S.C. XXXX et seq. ). XXXX. Docs were not received Timely. I Signed Electronically XX/XX/2022 but never received an electronic copy. Paper copy received @ XX/XX/2022. XXXX. Auto Fraud. Documents changed to reflex a new {$790.00} charge for new paint/coating for car that I was told would be done by the XXXX of LR, no charge. Therefore, my signature was carried over to new docs without my consent. XXXX. XXXX XXXX XXXX a. numbers are misrepresented. Original Car price was {$28000.00} not {$29000.00}. b. Retail Installment Sale Contract calculations are not accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Checks were stolen and used to open a bank account with Ally Bank. i have contacted both Ally and XXXX and Ally bank continues to deny receipt of my funds from the checks I am attaching. I have submitted these to XXXX fraud team via email and text message and am ignored each time ( at least 5 times ) always being told that I can submit this proof and they will see what they can do. I have been reporting this since XXXX of XXXX and have since verified my own identity and gained access to whatever accounts are at Ally bank, but have not found any with a balance and none of the accounts match the account numbers on the back of attached checks. I dont understand how a bank can LOSE {$29000.00}, however Ally has repeatedly told me on EACH OF THE XXXX separate occasions ( including XXXX conference calls with XXXX XXXX that they never received these funds, having flagged them as suspicious, however, the stamps on the back of the drafts and the removal of funds from my account would say otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XXXX, I acquired a XXXX XXXXXXXX XXXX for personal use in the amount of {$18000.00}. A promissory note was signed and exchanged with Ally Financial for the vehicle. I was unknowingly ushered into an investment with Ally Finacial, then coerced into pledging my labor and vehicle as collateral under the threat of repossession if I did not comply. Ally Financial misrepresented themselves as " lenders '' in this transaction. I have never received a loan from Ally Financial. As a result, I have been defrauded {$15000.00}. On XXXX, Ally Finacial sent a text message threatening to repossess my vehicle. These abusive tactics have caused harm and anguish, as it appears I have been subjected to peonage by Ally Financial. It is my understanding that under a wagering monetary contract, after 3 years the bonds must be broken by the Comptroller of Currency. Ally Financial has deprived me of my labor for 6-years and now threatening to deprive me of my property without due process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I am currently trying to get out of my lease and buy my vehicle. The car was $ XXXX after rebate and down payment. I was told my lease buyout is $ XXXX XXXX MONTHS after paying {$650.00} - XXXX on time payments. XXXX Dealership says my residual value on their end is $ XXXX. Thats a {$12000.00} difference that Ally is trying to XXXX me over for. I have multiple buyers wanting my vehicle and all I want is to get out of a lease and into a vehicle thats more sustainable. I will never work with Ally again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hello there. I am XXXX XXXX. I called my bank on XX/XX/XXXX to request a payment deferral. I got a call back from Ally on XX/XX/XXXX saying that I was approved for payment deferral. I proceeded with the payment on XX/XX/XXXX. When I was speaking on the phone, I was told XXXX different amounts that I need to pay to accept this. Okay, the last time I called I was told that I need to pay {$480.00} and the remaining needs to be paid by XXXX. Now the bank is saying that I'm late on a payment and need to pay for XXXX months, which is over {$3.00} Ally bank. Account XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ALLY FINANCIAL is reporting my transactions and experiences specifically a late payment that they have posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. ALLY FINCL/ALLY FINANCIAL INC. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see dealership reporting on my credit when I never authorized none to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My auto loan was transferred to Ally financial and My second Payments was dishonored without cause. I initiated a billing dispute and tried to make subsequent payments via phone as previously done with the first payment. I was refused and demanded certified funds I requested a billing dispute contract information and sent mailings to several departments including the Corporate Office and CFO. i received no response to verify validity of the refusal. I spent hours on the phone with at least 6 separate agents and all ended with refusal of payment via phone. I sent a check for payment in full a month ago and 38 days later they sent it back. It has a endorsement stamp CREDIT TO ALLY as endorsement but the letter sent only state ally was not accepting the payment Nothing more. There are no stamps of insufficient funds or bank refusal on the check. Per UCC 3-502 Unexcused delay/Discharge this debt is discharged. 3-506 Time allowed for Acceptance/Payment 3-508 Notice of Dishonor 3-604 Tender of Payment 3-603 Payment or satisfaction 3-602 Effect of Discharge Against Holder in Due Course 3=606 Impairment or Recouse of collateral Ally repossessed my car during the billing dispute with Ally refusing several methods of payments. Changing the contract without my consent is unlawful. Repossession of was in called for and I had valuable items stored in my property. Calls to ally have yielded no results I recently submitted a rescission of contract notice to the car dealership who fraudulently transferred my note to Ally and also the same notice to our financial who claims that I owe a debt which I have proof of payment and refusal without cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A