Date Received: 2022-11-29
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: In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle. The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease. Amount financed {$33000.00} by Ally Auto Finance. The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX. I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check. I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ). I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given. Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I on XX/XX/2021 entered into a fraudulent agreement/contract for XXXX XXXXXXXX XXXX XXXX XXXX the contract had numerous federal violations as seen marked on the contract I also was never given full disclose per federal law I also was never notified of my right to rescind the contract nor was I informed of my right to validate the debt per 15 USC 1692g and I never gave consent for my name to be turned into a fictitious entity as listed and notated in the contract Ally still has not responded to my initial affidavit with a affidavit or rebuttal point point per federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dealerships ran multiple unknown credit reports at the same time. Many hard inquires which are impacting my credit. I tried to dispute but no response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am making deposits into my account and they are being declined I have updated phone number from the ally mobile app, from XXXX to XXXX They are not allowing me to withdraw my money to my account I submitted a scanned copy of SSN and driving license they are asking me where tenants before me and after me are currently staying, how would I know I am having access to my registered mobile number I can go in person or video call but I need to have access to my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I created a Savings account XX/XX/2022 with Ally Bank, and submitted a deposit of {$400.00}, which was immediately withdrawn from my depositing account. At the time of the creation of the account, I was able to register for Online access, but was unable to access the online platform. I have been continuously unable to login to access my account or funds. On XX/XX/XXXX, I tried messaging customer support on their Website, and received no response. On XX/XX/XXXX, I called the company and asked for help, to which they told me a support ticket would be opened, and Id be contacted shortly. It never happened. Ive been unable to access my money for almost a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78411
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
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 issued me a blank title at the end of my Loan but it does not have my current address, it has my former address of ( 2 ) years ago. My current address is on the correspondence that they mailed to me informing me that my car is paid off and issuing me my blank title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX Dealer Services ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. XX/XX/XXXX - XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - Ally Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX Services ( XXXX XXXX XXXX ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ALLYFINANC - XX/XX/2022 XXXX ALLYFINANC - XX/XX/2022 XXXX ALLY FINANCIAL XX/XX/2022 XXXX I have never authorized Ally to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as ally please remove there is no open accounts on my credit with ally as of XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Requested documents are not being provided as well as violations by financial institution are as tho they dont apply to said corporation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56007
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A