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: On XX/XX/2022 ally financial sent me a congratulatory letter for paying off my vehicle and the blank title for the vehicle. On XX/XX/2022 I mailed a letter and the original blank title to the Maryland XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX dening my title and alleging it was not the original and requesting monies and stating it must accompany a XXXX XXXX XXXX and alleging that the title was a duplicate in which she returned.
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: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. Ally bank took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX from XXXX is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13850
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have been making my payments on time and always communicated with Ally Financial in regards to the loan on my vehicle. I have noticed over the past few months finance charges are extremely high, approximately XXXX % of my total payment. When I confronted Ally they told me that I have a window I need to make the payment to reduce these fees. They cant not clearly explain the window, nor do they show the interest fees up front. Keep in mind, My payments are made on time, on or before the due date. Also, My account shows I have XXXX payments remaining but there is no accuracy to this because they keep charging me so much in interest. Also, the according their website, the outstanding balance is XXXX but it shows me as only having XXXX payments left which is XXXX my payment is XXXX a month and nothing is making any sense. They made no sense when explaining what is going on, and I feel like they are taking advantage of me. I need help, I need clear definition of what I owe and when ( specific dates ) payments need to be made to reduce these extremely unreasonable financing charges. My payments are on time. They claim to post the statement for the month 9-10 days before the due date. So even if I make the payment in that 9-10 days before the due date the interest rate goes up if I make the payment 30 days after the last payment even if all the payments are on time. This doesnt seem legal, please help!! I am a poor boy from West Virginia and I really cant afford a lawyer. they are charging me {$130.00} in financing charges on a {$350.00} monthly payment. So only XXXX went toward the actual balance meaning I would have to make XXXX more payments reach my total balance provided they continue to do my dirty like this. As I said before, the website shows me as owing XXXX more payments. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a vehicular loan with Ally financial inc, they are calling me regarding a XXXX XXXXXXXX XXXX and are attempting to collect a debt. Operating as bank holding company and debt collector is illegal and they are violating the fdcpa
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Ally Financial violated my rights under 15 USC 1681 section 602 states, I have the right to privacy under 15 USC 1641 section 604A section 2 A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may treat a payment on an account under an open an consumer credit plan AS LATE for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
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 have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601. Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A