Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this has been a on going matter for over a year, ally financial still has not sent me verification, debt validation, audit trail with bank statements providing that they lending any monies for said loan. two affidavits XXXX rebutted which stands truth in commerce. cease and desist that i had filed but still reporting to consumer reporting agencies which is still a form of communication. IRS states any account charged off is considered income and income can not be reported as debt and i have never received my 1099-c for the charge off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem. Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process. As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee. That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok. I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2022 Notified Ally Bank that I wanted to transfer my IRA Acct to XXXXXXXX XXXX. XX/XX/XXXX, I was told by customer service that I would need to file an application to participate. I did that and uploaded it to my Ally Bank Customer Service. Note : This account has been at Ally Bank for 10 years. Acct ending in XXXX. I thought that didn't sound right so I told them I would do a bank to bank transfer. I submitted the paperwork to XXXXXXXX XXXX where I want my account transferred. I called Ally bank customer service several times with hold times of about an hour to talk to a representative. The associates were always courteous and tried to be helpful but they clearly have no control over Ally Bank 's corporate delay tactics. On XX/XX/2022 was told that XXXX XXXX didn't sign bank transfer request form. I contacted XXXXXXXX XXXX and they said they checked the it had been signed but would resend it. XX/XX/XXXX, Ally Bank received the second transfer request from XXXX XXXX However they couldn't find the the application to participate again. This time I sent it XXXX overnight so I would have documentation since it had become clear to me that Ally Bank was just delaying and their word is not to be trusted at Executive Customer Relations. On XXXX XXXX, 2022 they finally closed my account and deducted an early IRA CD withdrawal penalty fee of {$270.00} which I agree was correct. On XX/XX/XXXX, I was told the check to XXXXXXXX XXXX is in the mail. It is now XX/XX/2022 and the XXXXXXXX XXXX has not received the check. Please help me to expose Ally Bank. I am XXXX XXXX XXXX, I lost XXXX of my siblings in the past 20 months and I really don't need this additional stress. Elder Abuser?? They have my entire retirement savings out there somewhere. 80 days and counting. A major Bank clearly just delaying sending an old man his money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ). In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally Financial violated numerous FRCR laws when it fraudulently approved an auto loan with my stolen identity, Account # XXXX, on or around XX/XX/XXXX the VIN # XXXX. I was a victim of identity theft, I was made aware on XX/XX/XXXX ( Police Report # XXXX ) when I pulled my free credit report online that's when I discovered that someone had opened an auto loan with my Name and Social security number with Ally Financial. This Catastrophic error and negligence on behalf of Ally Financial is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there were a host of unauthorized credit accounts opened when my identity was compromised. Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt but in reality it was not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2022 my bank, XXXX Bank XXXX XXXX, AR, overnighted a cashiers check to Ally Auto for the amount of {$14000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/2022. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next two days to check. I was told this every few days over the course of two weeks. At the end of week two I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over three weeks since the payment was received. My payment is severely overdue ( it was due on XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally on line bank has customer service XXXX The problem you can never reach a real person, the wait times are sometimes XXXX hour and XXXX minutes, you can call at any hour of the day or night and never talk to a customer service person. I blocked from reaching my account information For example if a XXXX XXXX in maturing you have 10 days to make a decision or it will rollover automatically What if I want to withdraw my funds, I am blocked The reason I was calling customer service was to have the interest on mu XXXX paid monthly I was blocked to on line access because I changed my email address and the verification code would be delivered to a closed email account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ollo is the company. I paid my card off in full XX/XX/XXXX. XX/XX/XXXX I received an email for a bill due on XX/XX/XXXX for a doordash charge for XXXX. I have not used the card since paid in full. On XX/XX/XXXX the charge was reported to Ollo as fraudulent charges. Card was canceled and new card issued. 2 credits were applied to my account on XX/XX/XXXX for XXXX and XXXX before the bill due date of XX/XX/XXXX. Late fees and interest were charged in XXXX and XXXX and incorrect reporting to all 3 credit bureaus are still taking place on XX/XX/XXXX. Account should have {$0.00} balance, all late payments that have been reported to the credit bureaus should be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: As sent to Ally on XX/XX/2022 via notarized letter with return receipt, your claim can not and will not be considered if not returned with the requested information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A