Date Received: 2022-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Ally Financial, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: On XX/XX/2022, I leased a New XXXX XXXX XXXX XXXX through a Dealership and the deal was done through Ally XXXX. The " Agreed Upon Value of the vehicle '' was {$57000.00} and we put down {$9000.00} in a down payment or capitalized cost reduction. This made the 'Adjusted Capitalized Cost ' for the vehicle which was leased upon at XXXX miles a year for 36 months at {$48000.00} or {$520.00} per month. The total rent charge during my lease duration was to be {$18000.00} We had leased the vehicle for 5 months which means we paid XXXX payments for a total of {$2600.00} ( XXXX x XXXX ). The buyout of the lease was then listed around {$46000.00} on the Ally website. On XX/XX/2022, I was in a not-at-fault accident where a semi-truck wheel came loose from the vehicle and hit my car and totaled it. I informed my insurance and started my claim. XXXX valued my car at {$55000.00} ( or {$54000.00} with my {$1000.00} deductible ). Ally 's total loss department then requested the exact value of the car at the time of the accident which was the {$54000.00} of which XXXX is legally required to abide. However, this means that Ally then took the overage and also netted around {$8500.00} more than the car was sold at XXXX due to our down payment. Ally conveniently took off the buyout amount for the lease once the car was totaled so that they could keep the overage. Also, in Ally 's lease they note on Section 38. ( a ) If the money we get from your insurance is more than the Unamortized Capitalized Cost ( see definition in this section ), we will not give you credit for the excess. '' Ally stole our money and requested the exact amount from XXXX that the car was told it was worth rather than using their Unamortized Capitalized Cost. They should have requested the Unamortized Capitalized Cost which can be used by using the rent charge by the remaining XXXX payments, taking out the XXXX payments already received, Which leaves {$7600.00} in unearned rent charge which when subtracted from additional payments equals {$8600.00}. That added to the residual value notes on the lease of {$38000.00} equals {$46000.00}. This means that when Ally requested and kept the overage that XXXX sent of {$54000.00} they came out with a surplus of over {$7000.00}. We spent several hours on the phone with the Ally Total Loss Department on XX/XX/2022. They would not answer our questions. We even had a group call with XXXX and Ally where they tried to get Ally to answer our questions. They would literally go silent on the phone. We even had a response that said they got to keep the money because on the lease it says they can keep the " market value of the car '' which is not true and not stated on the lease. Their call center would hang up on us when they did not want to answer and we made over 7 calls to the department that day. We were never given answers and they would not send us up in management to get someone that could answer our questions. Ally inaccurately represented themselves on the phone and to XXXX by requesting a surplus amount. They then left a couple without a vehicle who got in a horrible freak accident with a hit to their finances that was unexpected. While dealing with the medical issues related to the accident Ally left us in a horrible position. I would like answers of why they believed they should keep that money they inaccurately requested and kept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I attempted and failed to make a payment arrangement with Ally Financial. Admittedly, I'm behind on my loan ( new to this experience ) due to brief unemployment. I get it, they want their money. BUT they refused to provide XXXX with a XXXX or XXXX payoff amount, and also are refusing to take any payment from me, or provide me with a XXXX or XXXX payoff amount, which I believe is required by law. Just trying to find a solution here, and am met with literal laughter in the background and unprofessional phone calls that lead nowhere. I believe that Ally is breaking the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX on Saturday XXXX XX/XX/XXXX but, I didn't pick up the vehicle until Tuesday, XX/XX/XXXX due to XXXX XXXX ( salesperson XXXX stating that they were putting new tires on the truck. I really wasn't supposed to pick it up until Wednesday XX/XX/XXXX that's when the tires was going to be in and the truck was going to be ready, which was odd because I didn't see nothing wrong with the tires. When I picked up the vehicle I notice a burnt oil smell and I mentioned that to XXXX at that moment and she didn't say anything. So my brother in law said well maybe that's probably from when they did an oil change. But I kept smelling the burnt oil smell. So, within a few days of driving the vehicle I notice that the truck would pull off slow as I have my feet on the gas and it was jerking like it was trying to get into the right gear. I also, notice that when the vehicle was sitting at a light or just running while sitting still the vehicle would be shaking like it was running hot. I notice the radio changing stations and switching from app to app and calling folks from my contact. On XX/XX/XXXX I spoke with my seller XXXX XXXX about the problems I was having with the truck. She told me if it does it again to bring it in and they will look at it. So. the vehicle did it again but it was getting worse. loud noises was coming from the vehicle and like a high pitched whistling sound. And the jerking was getting worse it pause when I put it in reverse and jerk to go backwards and it would do the same way when I would put in drive and I have a witness to that. So, on XX/XX/XXXX, I called XXXX again and told her what was going on and she told me to bring it into service but it had to be through the week. So, I took off from work on Tuesday XX/XX/XXXX because that Monday XX/XX/XXXX was a holiday. On Tuesday XX/XX/XXXX, I brought the truck into service at XXXX XXXX XXXX XXXX and I was greeted by one of the service guys. The guy ( don't remember his name ) asked how he could help me and I explained to him that XXXX told me to bring my vehicle in so that you all can see what was wrong with it and I handed him my list of problems. He goes inside with the list and comes back out 5 minutes later saying that the general manager said that you weren't under a warranty so we can't look at it plus we don't have the proper machines for a XXXX because we deal with XXXX. He said next door, would have the proper machines because they're a XXXX dealership but you will have to pay out of pocket. I said no, I only had this vehicle for a couple of weeks so someone has to see what's going on with it. So he goes back in to get the manager and the service guy comes back out and says " they're going into a meeting ''. So, I said I can wait because I took off from work for this. He said ok you can have a seat in the lobby. I went in and stood there waiting so XXXX came over and I told her what the service guy said and she went to talk to the general manager XXXX XXXX who was supposed to be in a meeting but instead he was just standing in his office talking. So, XXXX was talking to him and they were laughing out loud and they finally came out of the office to come talk to me. I explained to XXXX what was going on and he stated " you didn't get the extended warranty matter of fact you were mad when you thought we put it on there and it wasn't. '' I told him I wasn't mad and he cut me off stating " you had the vehicle for over a month '' and I said no, I only had it for three weeks. And he stated " well the vehicle is over XXXX miles '' and I said no it only has XXXX miles on it. He said " oh well anyway you come in here with this long list and you just now telling someone about it! I said no, I told XXXX as soon as it happened. He said well, there's nothing we can do about it since you didn't purchase the extended warranty and and you signed as is contract. But they didn't advertise as is on the website. He said If you want to see what's wrong with it then you would need to take it to XXXX XXXX XXXX and pay for it yourself. '' So, I did. On Saturday XX/XX/XXXX I took the vehicle to XXXX XXXX XXXX they did a diagnostic test and told me I needed a new transmission and computer system totaling {$6000.00} plus... I went back to XXXX XXXX XXXX XXXX on the same day with my estimate and spoke with XXXX XXXX ( general manager ) again. I went into his office and I said hey, I was just in here Tuesday and you told me there was nothing you could do because I didn't purchase the extended warranty and he said " yes you were ''. I said you told me that your team did a thorough inspection and everything was good. He said " yes I did. '' And I said well, if everything was good why is next door ( XXXX XXXX XXXX ) saying that I need a transmission and computer system replaced all of a sudden. And I handed him the invoice. He looked at it and asked where did you get it done? I told him next door, he stated with a nasty attitude " Looks like you have a {$5000.00} transmission bill. '' I told him I was not responsible for this and that I only had the vehicle for three weeks and I told XXXX about it too! He said " you didn't tell nobody XXXX! '' " For as far as I know you could've messed it up yourself! '' He was getting loud with me so I got loud. He was cursing at me and I cursed him right back. He told me to " geXXXX XXXX XXXX out of his office before he calls the police! '' I had asked him what his name was because I didn't know his name until then. He said XXXX and I waited for him to give me a last name and he didn't say anything. So, I said you are not gon na give me your last name? He said in an arrogant way " everybody knows me! '' So. I had asked the staff what his last name was. No one wanted to give me his last name. As I was standing the lobby he came out his office stating that " I have lost my XXXX XXXXXXXX mind and that I need to get the XXXX out of his dealership before he calls the police! '' The amount financed on this vehicle is {$39000.00} Called Ally Auto on XX/XX/XXXX and the representative said that there was nothing they could do because the contract had started. But I haven't even paid my first note yet!! This is vehicle was my means of getting back and forth to work. And if I can't get to work how can I pay these notes. And I haven't even paid the first note yet! And this is not just my credit we're dealing with it's my sister 's credit as well because she cosigned this vehicle for me! So, they are messing up our livelihood to gain in their 's and this is so unfair to the consumer! All we want is for the problem to fixed ( paid in full ) or get me another vehicle or get me out of this contract period! Show quoted text
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I tried to send a wire with Ally Bank. As part of this they asked me to call in, no worries, I did the next day. They asked me for my social and I told them that I don't feel comfortable giving it out because of identify theft issues in the past, but I'm happy to answer other questions. The person said fine, they authenticated me and then said I needed to call back again the next day. Sure no prob. I did and they asked me again to authenticate using my social. I again said that I don't feel comfortable giving it out and to ask me other questions. This lady got really rude and unprofessional and hung up on me. I then learned my account was locked out so I can't access any of my money or even log into my account. I called back the next day and finally just gave up and gave them my social and did authenticate me, but they now told me that the last lady I spoke to flagged my account because I " refused to provide my social '' and I have extra steps now for " the safety of my account ''. I have to upload my drivers license, a photo of me with it, a color copy of my social security card, a utility bill and they can't confirm if there's more they will ask for after that. First this is a complete overreaction in the name of " security '', secondly I never gave them false info, and I explained each time why I didn't want to give out my social and thirdly I don't have some of that information with me since I'm traveling. I essentially tried to use one of the bank 's services and as a response they've effectively taken my money. The steps to getting it back are so onerous that it's possible I'm unable to ever get my money back. This is effectively stealing my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I deposited a check # XXXX from my XXXX Bank ( XXXX ) checking account to my Ally Money Market Account ( Ally ). ( SEE FILE A ) The check was written for {$1400.00}. The balance in my XXXX Bank had enough money to cover the amount of check # XXXX ( SEE FILE C ). On XX/XX/2022, I noticed that check # XXXX was returned, with no reason stated. I contacted XXXX and asked if the check was presented to the bank- XXXX stated the check has NOT been presented to the bank for payment. On XX/XX/2022 I contacted Ally to inquire about why the check was returned and a {$7.00} fee was charged to my account. ( SEE FILE A ) Ally states it presented check # XXXX to XXXX and XXXX returned the check for " non-sufficient funds ( NSF ). '' XXXX maintains the check was never presented and it would have cleared the check. Ally refuses to send me any documentation showing the check was returned for NSF and denoted my Ally bank account record and possibly my credit report as a " check bouncer '' - when that is not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Denied loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 2 problems : 1 - Ally has repeatedly failed to send me a new debit card linked to my XXXX account as I requested. I had disputed a transaction so they cancelled my debit card ( without telling me ) and supposedly sent me a new debit card ( also without telling me ). When my old debit card didn't work, they said they had sent me a new card a month ago, but I never received it, so they cancelled it. And they said that they were sending me another debit card on XX/XX/XXXX- but it's been over two weeks and I haven't received it. I sent a message through Ally web site but they ignored it. 2 - I asked ( through Ally web site ) about a retirement account XXXX and they said that I don't have such an account number- but that's the number I see when I log in. I sent them a message and screen shot through Ally web site on XX/XX/XXXX asking about the XXXX account, but Ally never answered. On XX/XX/XXXX I sent Ally another message telling them to quit ignoring me and answer my question of XX/XX/XXXX - that was a week ago and they have not answered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A