Date Received: 2022-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, I received a phone call from XXXX XXXX number. They threatened that if I did not pay my bill immediately that they would shut off my service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has just gotten in my car after a XXXX hour day. I payed them the amount they said was due which was XXXX. After that multiple unauthorized transactions were completed via XXXX, {$110.00}, {$490.00}, {$490.00}, {$490.00}, {$990.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: I mailed out a certified cashier 's check on XX/XX/XXXX to the XXXX XXXX payoff address to payoff my vehicle and it was delivered next day on XX/XX/XXXX and signed for at the address. It took an entire week for the check to be applied to account being that it is a certified check and Ally Financial 's website says title delivery within 4 days of check being received. I contacted Ally Financial today XX/XX/XXXX, they stated it is going to take 10 days to release the title because the funds were not certified, however a customer support representative confirmed to me earlier last week that the funds are certified. Ally is holding my car title/lien release now for a week. I do not even have the " XXXX XXXX '' feature on my account that is usually shown once the car is paid off. I am requesting my lien release be processed immediate as Ally has been sitting on this for now a week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal. XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points. There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location. Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored. I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank froze my accounts ( with a total of XXXX {$15000.00} ) on the grounds that I had suspicious transfers when the only transfers conducted were between my own external accounts under my name. They have been holding my money hostage for over a week now since XX/XX/XXXX and have provided the same boilerplate XXXX days response from their customer support team every time I called them after I've provided everything they've asked for. I use my Ally account for moving money around between my own accounts and I need this money now especially with the holidays coming. This is causing me financial loss by the day and Ally bank has refused to either provide a clear explanation of why my account was frozen or a timeline of when the " review '' is going to be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: we went to court today and ally bank sent me paper work why they shouldnt repo the car its the samething over again. the lady at the court house wouldnt let her i fired my attourney and hired another one who will work to pay off the credit cards and the car the ally bank spokes person is telling me she wants the car. i want my XXXX bank account Subpoenaed there was XXXX in that account i also had XXXX XXXX who is being sued. so please file a subpoenaed, can you please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : Ally 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: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: on XX/XX/2021 I went to dealership to purchase a car they pressure me to buy multiple cars even though i came in for one. They kept pulling my credit and got alot of approval for banks and insisted that i use up all the approval and pressured me into keep buying more cars. I told them they violated my rights by constantly pulling my credit without permissions and racking up all these approvals resulting with XXXX inquires on my credit report. I sent a letter through certified mail to get a debt validation and sent a notice of recession. The letters delivered and i never got a response or remedy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial. For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit. Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied. The result has been paying higher interest on loans and or loan denials.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Previous complaint, XXXX has been left unattended for weeks. After complying with the demands of Ally 's Fraud Prevention to upload identity verifying documents, I was told clearly that I would receive further communication within 3 business days. This never happened. Eventually, i would call Ally to inquire about the upload, if any determination had been made, or if there was any information I could offer them. They indicated that they did not know any of this, but would notify the relevant department that I had contacted Ally, leaving the message that the understood time had gone by and I had started to become concerned. I do not know if that message was ever passed along. Today is XX/XX/17, and almost an entire month has gone by that I have not been able to access the money in my Ally Checking account. I have complied with all requests they have made of me and have been met with lack of information and inaction. I will have received two months of full time salary employment wages via direct deposit to that account that I have been not able to access during this time. At no point has Ally initiated contact with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I currently have over 40 Hard Inquiries on my credit report and I have not given consent for my credit to be ran that many times within a 2 month span of time. Some companies ran the credit information double and triple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A