Date Received: 2023-01-10
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: ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices. 4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note. Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX. XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ). XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ). XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria. Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process. 12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge. 13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history. XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt collection company is reporting inaccurate. My mortgage is paid per obligation of the United States according to CFR and USC laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Collections company is reporting inaccurate my auto loan is paid per obligation of the united states.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: 1. On XX/XX/XXXX I attempted to cancel my extended warranty for a used vehicle I had just purchased. I purchased my vehicle through a dealership who also helped me secure financing. I had to submit a form to cancel the auto warranty. An agent of the dealership confirmed receipt of my warranty cancellation form on XXXX XXXX, XXXX and informed me it will take XXXX weeks for the warranty refund amount to be taken off the principal of the loan. 2. On XXXX XXXX, XXXX I asked the same agent of the dealership to produce documentation of the warranty cancellation and " refund '' to my financing principal. They were either unwilling or unable to produce such documentation. 3. On XXXX XXXX, XXXX I was informed {$2800.00} would be going to the lienholder and would be reflected on my next billing statement. 4. On XXXX XXXX, XXXX No change was reflected on my auto loan statement showing {$2800.00} being sent back to the lienholder. 5. On XXXX XXXX, XXXX I was informed by an agent of the auto dealership it would take XXXX billing cycles to apply to my account. Auto Dealer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Lienholder : Ally Financial XXXX XXXX XXXX XXXXXXXX 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: 33606
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Good Morning, My name is XXXX XXXX and I purchased a vehicle from XXXX XXXX in XXXX Georgia XX/XX/XXXX. I was charged {$15000.00} down payment and financed the remaining balance of {$10000.00} through Ally Financial. I Got behind on payments vehicle was repossessed XX/XX/XXXX. XXXX being told to that the dealership I purchased vehicle from bought it from Ally Financial XX/XX/XXXX. In the amount of {$14000.00} which is more than what I owed. Ally Financial refused to pay me the overage amount. Also telling me thats on the dealership. Dealership also refuses to pay. Highly frustrated to get screwed around like this and neither party is willing to pay whats owed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: To : Ally Financial From : XXXX XXXX Original Creditor/Investor XXXX XXXX XXXX XXXX XXXX Va XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL AFFIDAVIT OF TRUTH XXXX. On XX/XX/2023, as the original creditor, private investor I extended credits to you for the applicant/principal, consumer based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report. 2. 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit. XXXX. I received a call from you on XX/XX/2023, stating you denied the consumer/principal extension of credit based on the consumer credit report. This is misconception and deceit, as the private investor I was under the impression I was extending credit only based thoroughly on all information in the credit application. 4. 15 USC 1681a ( I ) ( 2 ) ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. As the Original creditor/private investor I extended credits based on the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits. 5. 15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, you are fully in violation of the consumer rights. Therefore, you now hold civil liability for willful noncompliance. 6. 15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. XXXX. The damages caused in your incompetency I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes XXXX XXXX, and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ). The damages are in the total amount of {$100000.00} XXXX. My XXXX in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time, labor to respond to your adverse action is valued at {$10000.00} and I should be fully compensated. The first Amendment of the U.S. Constitution protects my right to work. I have a right to work and contract my labor, my time, and my skill, and my life as I see fit. If I am not fully giving all demands to restore faith and trust within this credit transaction, I will take civil actions for all damages caused by your negligence. XXXX. I declare under penalty and perjury under the laws of XXXX that all is true and correct to the best of my knowledge. Void were prohibited by law, however it does not change the rest of the Truth! XXXX ; XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was two months behind on my vehicle loan due to my family catching COVID and me being out of work over a month. On XX/XX/XXXX I created a catch up plan ( as they call it ) with Ally Financial. The email that they sent stated, Once complete, you will return to your regular monthly payment schedule. I paid the 4 payments of {$830.00} ( the amount set by them ), each month on the due date agreed upon. My last payment was made XX/XX/XXXX. They are saying I am still behind on my auto loan. I owe for XXXX and all of the late fees that were continuing to be charged during that time, so they were not figured into my repayment. Ultimately I have successfully completed my part of this repayment plan and I am still behind. I feel all missed payments and fees I was being charged should have been figured in to my catch up payments, so that at the end I was indeed caught up like they stated in their email that I would be. These practices by them are predatory and misleading. They are now asking me to make another payment for XXXX. I stated several times to the customer service person that I wanted to file a formal complaint with them and that it should not be called a catch up plan if Im fact you are not caught up at the end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Debt validation was never confirmed, Several law violations, billing errors. Consumer credit transaction was created but a cash down payment was taken which makes the contract voided as per 15 usc 1605 ( a ). I asked for debt validation with and on and off ledger confirming a loan was given to me. finance charge also is suppose to be the sum of all charges. In this retail installment the sum of all charges differs greatly from the finance charge which voids the contract. i have been harassed and embarrassed by this company through their abusive practices and their continued disregard to the cease and desist i had during the validation process. They disclosed my residence without my permission and sent repo company to my residence where they breach the peace and took my vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i have a loan with ally on a XXXX and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A