Date Received: 2022-12-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally financial they keep calling me over 3 times a day and i get super nervous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Sir or Maam : Pursuant to the XXXX Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently XXXXXXXX XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX I logged into my online account for Ally Auto to make the final payment on my vehicle loan. I called XXXX which is the customer service number listed on their website. The online payment portal said that due to the status of the account some functions are unavailable. The payment was due on XX/XX/XXXX. I thought there may have been an issue with the site since I had not received any notices about an issue with my loan account from Ally Auto. I waited until the after the holidays since to contact customer service as to give time for the site to be fixed and thinking that no one would be able to assist me due to no one being there. There have been many times I have been late on payments throughout the years, some by over a month and Ally Auto had never disabled my online access before. Thats why I thought it may have been an issue with the website and not the accodunt. On XX/XX/XXXX at XXXX XXXX XXXX I called customer service and was informed that they would not be able to assist me and they had to transfer me an " account specialist ''. After an extended hold I was able to speak with XXXX XXXX She asked if I would like to make a payment today, and if I was paying if off in full. I told her yes, that was why I was calling. I said there would be a {$4.00} fee to make the payment over the phone. I inquired as to why I was unable to make a payment online as I have done for the entire life of the loan. She said it was because I was at the end of my contract / loan term. She stated this several times that the account online was disabled due to being at the end of the contract / loan and the payment was required to be made over the phone or through XXXX XXXX XXXX XXXX. Both of these options would result in a fee. I again asked why I could not pay online as I have done before, XXXX informed me that the account had been put into collections. I asked her if the account had been put into collection status. She never answered the question. After some more back and forth I felt I had no choice but to pay the fee. I felt backed into a corner. I informed her that I would pay the fee but put in a report to the CFPB. After the payment was completed, she told me that I would have contact Customer Service tomorrow at XXXX about getting the title for the vehicle. I asked for the name of her supervisor so it could be included in this report as she said that no supervisors were available, they were all in a meeting or were not there. She said she was not qualified to give me the name of her supervisor. She kept telling me to call customer service back for that information. I told her if she could not give me that information I would hold until a supervisor or XXXX was available to speak with me. During this exchange she placed me on hold multiple times without providing notice of doing so. In the end she provided me the name of her " boss '' XXXX XXXX. She informed me that he would be calling me later today XX/XX/XXXX. The call, in total, lasted XXXX hour and XXXX minutes. Most of that time was from being on hold. She was very vague, unhelpful and left me worried that the truck was going to be sent to be repossessed. I felt I had no choice but to agree to what they wanted or loose my vehicle. The final payment was under {$500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: HelloI have several hard inquiries showing on my credit report that were both authorized by me. I am seeing a total of XXXX on my XXXX XXXX and XXXX on my XXXX..at this time Im not sure how many XXXX is showing but Im sure there are someI would like these to be removed as quickly as possibly as I have other plans use my credit in the immediate futurethank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Value city, never been in collection and has been paid off in full on time. This has been corrected and was fix bustier appear on my credit report. Ally Finance never late always on time payment. Contact consumer has been corrected but still appears on my credit report as a late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022, I was not able to log in to my account. I had tried all basic troubleshooting options, including using different browsers, using Private/Incognito mode, using a different computer, restarting the computer, and clearing cookies site/data. I was also unable to log in through the mobile phone app. This was not a wrong username/password error, I was receiving a generic Request can not be processed error. I called customer service that day and a representative walked me through some additional troubleshooting with no success. They submitted a support ticket for me. I never heard back and the problem was not resolved. On XX/XX/2022 I tried to log in to my account again and was still unable to. I repeated the troubleshooting steps I had done before with no success. Since I can not access my account, I do not have access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed a copy of my credit report and Ally Financial ran an unauthorized credit inquiry on me on XX/XX/2022 and XX/XX/2022. This is a notice to cease your unauthorized hard inquiries on my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: There is an administrative fee added into the amount financed, which is improper and will result in interest being charged on the administrative fee amount over duration of the loan. For this reason I am rescinding my signature on the contract. This error is in violation of US Codes on Consumer Credit Transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31605
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In the past months I have been faced with a financial hardship with me being sick with XXXX and being on unemployment witch I only receive XXXX I have reached out to ally financial about my situation over the phone and Thay have ignored my situation with more calls more harassment and I paid them XXXX on XX/XX/2022 and tried to get on a payment plan Thay would not let me so the came in the night to reposed my car and my personal items in the there as well I contacted them about this matter but all Thay want to discuss is money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I scheduled incoming transfer of {$5000.00} into ally savings joint account ending in XXXX from XXXX checking account for XX/XX/2023. But when i wanted to check that - Ally has no clues about that.
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: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A