Date Received: 2024-01-11
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: I financed car XXXX XXXX XXXX from XXXX XXXX and I had loan with ally bank Due to job lost I did not make few months payment. My car was reposed XX/XX/XXXX. XXXX XXXX approved my loan with high interest rate monthly {$720.00} car payment plus gap insurance. I requested for my personal items but they never gave me a information where is my car now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with Ally for approximately four years. I also NEVER MISSED PAYMENT AND CAN PROVIDE PROOF. Most recently I had made a payment twice in a month only because I had the money available to me so I just made the payment at the end of the month to apply for the next month I didnt think that that would be a problem or cause my account to be delayed. The problem is they never applied the XX/XX/XXXX payment to my XXXX payment. Instead they waited for XXXX to pass and they applied my XXXX payment to XXXX so what happened to my XX/XX/XXXX payment I paid? XX/XX/XXXX is the payment for XXXX and XX/XX/XXXX was for XXXX payment they refuse to correct this and are charging me interest in late fees, claiming that Im behind when Im not and again I can provide proof. And they also informed me that they going to report this to the credit bureaus when its not even my fault. They refuse to apply the charge to my account correctly I need outside assistance please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is in relation to Complaint # XXXX. REFER TO ALL INACCURACIES IN ATTACHMENTS ( Date of last activity, date of report, date opened, closed date ; simply one inaccuracy is grounds for violations ) and includes the following:15 USC 1681 - ACCURACY AND FAIRNESS - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to a consumers right to privacy. 15 USC 1681b - PERMISSIBLE PURPOSES - XXXX did not obtain my permission to provide any adverse information on my consumer reports, through any of the platforms they intended to, including but not limited to XXXX, XXXX, or XXXX. I never intended to give express permission for them to do so, and if there were any permissions I unintentionally authorized pertaining to adding any information on my credit report that damages my reputation, past, present, or future, I unequivocally revoke and deny any such actions or practices. In Re P.L. 90-321 ( 82 Stat. 146 ) backs this code. 15 USC 1681s-2 ( A ) ( 1 ) - REASONABLE CAUSE TO BELIEVE INFO IS INACCURATE - states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Through the preceding complaints provided and the evidence shown, ALLY is under responsibility to ensure accuracy to their claims. Whoever is reporting this on their reporting side must consider the fullness of the status as provided. Reference XXXX of Executive Customer Relations XXXX ext XXXX. PRIVACY ACT OF 1974 ( 5 USC 552a ) Conditions of Disclosure - No agency shall disclose any record which is in a system of records except pursuant to a written request or with a prior written consent of the individual to whom the record pertains unless disclosure of the record would be in accordance with 31 USC 3711 ( e ) UNLESS the disclosures are to collect a claim of Government by way of Internal Revenue Code, or a head of agency has established procedures to get satisfactory assurances from each CRA that the agency is COMPLYING WITH ALL LAWS OF THE US they are in violation of the Privacy Act of 1974. Because ALLY and myself are currently in disputes over the following commercial relationship, they have XXXX right to report any adverse claims which are yet unsubstantiated and are therefore defamatory and damaging and without consent. Their claims under negligence and denial of their own responsibilities to provide full disclosure as shown through recent complaints are violations of " Permissible purposes '' 15 USC 1681a " Regulation P '' 12 CFR 1016.1 and Privacy Act 5 USC 552a and therefore are willfully noncompliant 15 USC 1681n.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: I recently reviewed my credit report where I discovered that ( ALLY FINANCIAL ) reported what was notated as a ( LATE PAYMENT ) for an Installment Auto Loan account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) ) any information placed on my Consumer report should be based in accordance to my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70364
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I hope this message finds you well. I am writing to express my concern and submit a complaint to ALLY FINANCIAL regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a XXXX credit reporting agency, ALLY FINANCIAL will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will. I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not. Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership. XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of. It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it. I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: Company - Ally Financial - auto loan opened XX/XX/XXXX I have disputed an alleged " 30 days late '' in XXXX of XXXX. This account was never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A