Date Received: 2022-10-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I purchased a vehicle and it was repossessed/stolen on XX/XX/XXXX. XXXX XXXXwithout following legal proceedings accordingly and sold the vehicle on XX/XX/2022. I sent a Cease and Disease but they responded only to say they did nothing wrong and did not answer the affidavit of truth and are continually trying to collect on a debt that, I the Living person do not owe. I receive a letter of balance I should pay after the sale of the stolen vehicle dated XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I opened up this account with ALLY Bank in XX/XX/XXXX. My credit reports are reflecting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior tomy hardship all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: ALLY AUTO HAS MALICIOUSLY AND FRAUDULENTLY CLAIMED THEY HAVE A CLAIM ON MY PROPERTY BUT HAS CONSISTENTLY FAILED TO PROVIDE LEGAL EVIDENCE OF OWNERSHIP OF THEIR CLAIM. SHOW ME WHERE "ALLY" IS FIRST PARTY TO THE CONTRACT THEY PROVIDED! PLEASE REVIEW ALL PAGES IN THE 553-OK-ARB-e RETAIL INSTALLMENT SALE CONTRACT AND PROVE WHERE ALLY IS REAL PARTY THE CONTRACTUAL AGREEMENT. THIS HAS BEEN ALLOWED ENTIRELY TOO LONG!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: i wanted to refinance before getting my new home, but they wouldnt. because when they sold it to me it was already XXXX down, with rates all but needed the vehicle with an Co signer. but when covid hit i never could catch up with high payment each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new Ally Bank account and deposited a {$15000.00} check from my cousin to fund the account ( The money was meant for home repairs ) Ally promptly locked my account promptly saying there's suspicious activity and they need to do this since it's a new account and the check is large. This was on the XXXX and for the last 14 days I have talked to their " Loss Prevention '' department and customer care at least 12 times. Here 's what I was told authoritatively on XXXX : ( After listening to multiple explanations, answers AND having to explain why he's giving me money etc ) The check is of a big amount and in a new bank account. So, we need to wait 10 business days for it to clear and only then the lock will be released and I will have access to funds. It was supposed to be done today ( XXXX ) and when I called in the morning they asked me to wait till afternoon. In the afternoon, I hear a new explanation The check still hasn't cleared so you have to wait another 7 business days! Which is wrong because the money left his account on the same day! I am at my wits ends as I really need the money ASAP. And this has been incredibly stressful as they are constantly changing their stance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02474
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally bank seems to have insufficient resource to handle calls and messages for customers. Long wait times for call ins to the call center. Lack of response to messages or very late meaningless replys to messages regarding out of bank transfers. Please find out what the problem is... Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Ally bank account was frozen on XX/XX/XXXX for an investigation concerning suspicious activity. I've called on XX/XX/XXXX for an update, and they didn't give me any information besides that the account will be opened again once the investigation is over. I got an e-mail on XX/XX/XXXX from a credit card with that bank account as autopay, saying that they were informed the account is now closed. I have not been updated or contacted by Ally at all about this. There's currently XXXX in my savings account that I can not access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2022 I received a voice message from Ally regarding our car loan being delinquent. I called them back later that day. I was told by the representative that the account was delinquent by {$1000.00}. I explained that I would make payment by Monday XX/XX/2022. I was asked if I would make a payment of {$1000.00} by XX/XX/2022 THREE times. I affirmed my answer all three times. On XX/XX/2022 I created an online user name and accessed my account. The account showed over {$1700.00} delinquent. I made my payment of {$1100.00} on XX/XX/2022. I noticed a remaining delinquent amount of {$190.00} and {$530.00} in late fees. I made the payment for the {$190.00} on XX/XX/2022. I called Ally on XX/XX/2022 and asked for an explanation of the difference between the delinquent amount from {$1000.00} on XX/XX/2022 to over {$1200.00} on XX/XX/2022. I received no response. I also requested a waiver of the late fees since my account was now current. The representative indicated that he would submit that request but a maximum of {$37.00} could be waived if that. I find the late fees to be draconian since the account is now current and the interest being charged is nearly 11 %. The ever-changing balance seems to be suspicious as well. They indicate that they record phone conversations. I'd like to review the conversations I had with them and know why the amount due changed over only 3 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A