Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 an extension agreement was approved on my account! I made those payments as agreed and this company reported to the credit bureaus that I was late when in fact I wasnt. Ive called multiple times and today I spoke with a representative that said she didnt see the extension on the account only a catch up arrangement, she put me on hold after I asked for a supervisor and rerouted me to the main line where a representative hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75020
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Ally Bank card was charged {$890.00} from an unknown merchant and was an unauthorized transaction. To solve this, I contacted my bank and although providing evidence and a XXXX police report, they refused to consider fraud. Along with this, customer reps from Ally lied multiple times about filing a fraud dispute claim when calling. As a young man straight out of college at his first job, {$890.00} is quite a bit of money for Ally to refuse reimbursement. Along with this, I have been a customer for over 5 years ( Family 20+ years ) and will have to move banks since they can not even keep my money safe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX and they did not post until after XXXX, my time in CA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues. XXXX XXXX XXXX paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft. XXXX XXXX XXXX I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission. XXXX XXXX XXXX received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally. I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: When I got my first billing from Ally I noticed that I was being charged an interest of {$92.00} on a Zero %, 18 month loan when I replaced my HVAC unit in my home. Guy I spoke to said I will continue to get this interest charge added to my bill until my initial loan is paid in full and if I miss two payments it will autoimaticly be attached to my loan. I told him this was not disclosed to me at the time I file for the loan by either the HVAC company nor Ally bank reps. My HVAC company is " XXXX XXXX XXXX '' in XXXX XXXX Nevada. So I feel I was lied to about my loan app and Ally Bank failed to disclose this interest extra charge to me at the time of my app for the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: First, I faced multiple issues regarding fraud charges on my account. Thankfully, though it was difficult to reach customer service, I was able to cancel + freeze my debit cards, and the one charge that did go through is supposedly being investigated. While that has been " taken care of '' or is at least prevented from further issue, I also ran into my account getting locked due to login attempts by scammers. My account has been locked since at least XX/XX/XXXX. Due to tech issues I am unable to reset my password properly and get into my account. I've spoken with customer service multiple times about this issue and been transferred to tech support twice who is supposedly working on the issue. I was told that the issue should be solved by last friday ( XX/XX/XXXX ) or early this week and I have still heard nothing. Ally, as an online only bank, has been unable to let me access my bank accounts for almost two weeks now. I have transferred some money out of my accounts via phone, but I would like to cancel my auto transfers and 'surprise savings ' so my money that I can not access ( unless I call customer support and sit on hold for XXXX min to an hour ) won't continue to move around. I need access to my bank accounts. This tech issue needs to be resolved now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer. I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change. instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers. either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2022, Our XXXX was totaled after 5 days at the fault of another driver. On XX/XX/XXXX, the insurance company sent the payment to Ally Financial. Ally Financial received an additional payment from the dealership and XXXX also refunded an amount. In addition, I also made a payment on the car as the payment became due. Ive been calling Ally about the refund for over a month. No one can give me an exact amount of what is owed to me, only an estimate of {$2700.00}. I keep asking for a my money back, but they only respond that they will escalate the issue. Ive had about 15 escalations, 3 requests for supervisor call backs with no call returned, and XXXX payment made to me. They continue to hold my money and I would like it returned and not escalated to an imaginary person. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX. I applied for financial pause in payments due significant other having XXXX XXXX and house flooding and was creating financial backing in the even she needed help. I used my cell phone while working XXXX as a XXXX XXXXXXXX in a rural area and pressed yes to process and finalize the pause in payments for 90 days. XX/XX/XXXX came around and my truck was repossessed with any notificatinon via email of phone calls, voicemails from XXXX numbers were dificult and next to impossible to understand as the call center was from another nation. I called to inquire and was told by two differant agents that XXXX XXXX XXXX cash was to be sent to get my truck out of repossesion. This was done within 6 hours. The following day I called to see if the XXXX XXXX was received and I was told the wrong amount as it was XXXX. I was able to have the truck released however the repossesion which was wrongful was on my credit report and after spending multiple days in XXXX to get an extension on my lease I was told I was not able to do so without reasoning. I than called to find out when I need to have the truck returned to the Dealership. I was than informed XXXX $ outstanding balance and that I payed in 10 minutes. Never received any notification that my extension was approved. I went to 10 dealerships to tade the truck in and all the buyouts were different and fluctuated by XXXX XXXX The dealerships were also given my buyout for whatever reason so XXXX XXXX tried to take advantage of this and when I enquired about a Lease buyout I had not received any information, let alone was able to speak to anyone as I was diconnected by Ally reps or connected to a completely different company. However, XXXX XXXX XXXX was able to get through within 5 minutes and tried to undercut my buyout and I was not given any buy out packet by either Ally or the dealership. In the attempt to not have the truck repossessed I had to go to XXXX XXXX XXXX and trade in the truck and due to the Late payments, repossesion, and hard inquiries that I had not given permission to ALLY my credit score was poor, thus creating financial hardship with a used vehicle that I would be able to afford if my credit report was recitfied by ally and their wrongfull reposession, late payments of 90 days which are due to the same situation I would not be in this predicament. I served our country in the XXXX for 12 years and am a XXXX veteran, and currently a XXXX XXXXXXXX. I wish to have at the very least my credit report corrected and have the opportunity. The entire lease from XXXX I was not able to use the app or login despite calling and inquiring and not able to establish auto payments and was nearly late on every payment despite paying the entire loan in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A