Date Received: 2022-12-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: on XX/XX/2022 I sent a payment in to Ally Auto by money gram. Company has not applied payment to my account. ALLY HAS VIOLATED 12CFR XXXX PAYMENTS. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Ally Auto Financial violated the U.S. Fair Debt Collection Practices Act and the U.S. Fair Credit Reporting Act. Ally Auto reported derogatory and inaccurate statements and information regarding myself the consumer to third parties on XX/XX/2022. The allegedly inaccurate information negatively reflects upon my credit repayment history, my financial responsibility and my creditworthiness. attached is my proof of payment. Ally collection agents have been harassing me for payment since XX/XX/2022 calling me late at night XXXX and during work hours. which is a violation of my rights under the FDCPA. even thought they can see my payment in the system and refuse to post it. ALLY FINACIAL DID NOT CLEARLY AND CONSPICUOUSLY SEND ME ANYTHING SAYING THEY WOULD SHARE MY INFORMATION WITH A THIRD PARTY. I NEVER GAVE VERBAL OR WRITTEN CONSENT TO SHARE MY PERSONAL INFORMATION.ALLY FINACIAL NEVER SENT ME ANYTHING TELLING ME I EVEN HAD THE RIGHT TO A NONDISCLOSURE OPTION. with this being said As of today Im opting out of any and all Authorization that I the Consumer given you verbally, or written.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I had a loan with Ally lending I wished to pay off. I called to inquire about a pay off amt to which refused to give me. I told the financial person at my credit union so she attempted to get the pay off amt, only to be refused. She then calculated a pay off amt from a monthly statement and sent that to Ally lending. Ally confirmed receipt of the pay off, but claimed I still owed them {$380.00}. I called Ally and told them I did not owe them any money because they refused to give both me and the lady from the XXXX XXXX a true pay off amt. Ally then continued to send me monthly statements for the amt but was adding on all sorts of charges. They also sent this to a collection agency. This it in a very abbreviated statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ally is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also Ally is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I made a purchase from XXXX XXXX XXXX for XXXX and they tried to refund me but Ally Bank prevents refunds from going through and then tells me to call the merchant the merchant sees it has been refunded on there end. This has happen several times with Ally Bank which is not right as the refund should be allowed since the account number remains the same. Ally Bank was notified in XXXX about a XXXX purchase for XXXX that I had not received the item they did not do a proper investigation on the fraudulent company who sent me nothing still to this date nor provided proof of the item. The merchant is saying Ally has the money has a chargeback was filed Ally is saying contact the merchant knowing that they will block the refund on the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit. Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures! XXXX Had the account audited you can plainly see this car was paid off. XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them. The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged. The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance. Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months. Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Finance got me 30 month late and I was in the hospital and I wasnt able to pay that month I have asked them to work with me but they chose to not work with me! I have asked them to remove the XXXX late off my account because of me being in the hospital I havent since been late on my account so thats why I am disputing it and looking for help on this thank you?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act ( ALLY XXXX ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX accounts Alley FInachel, XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1682 section 694A it also states a consumer reporting agency cabnnot furnish a account without my written instructions 15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A