Date Received: 2022-08-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XX/XX/2022 at XXXX am I received a text message : XXXX message from Ally Bank @ XXXX. XXXX XXXX sent you {$2600.00}. We'll deposit this XXXX payment to your Ally Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. But I am not seeing this XXXX deposit into my account even on XXXX XX/XX/2022 When contacted Ally, I am told : Any debit card credit transaction placed today should process by XXXX ET the next calendar day if received by XXXX XXXX. Additional delays in processing by the sending financial institution can also impact the posting of these transactions. Moreover wait time on phone and chat is so long ... more than one hour.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I filed a CFPB complaint about a previous improper repossession by Ally on XXXX XXXX. On XX/XX/XXXX, the bank closed my account and sold my loan to another creditor. I was not aware of this until XX/XX/XXXX, when I checked my loan account. The bank accepted my payment, however, has made certain functions on my account unavailable. I called the bank to inquire about this, and they said my car was repossed, I asked what were the options of restoring my account back to normal, and the agent said I needed to pay the entire amount. The agent from the bank, who was supposed to contact me, regarding my first complaint, has not returned any of my calls, and the agents pretend they cant hear me when I call the main line. I believe they are trying to repossess my vehicle unlawfully yet again, in response to my first claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for an extension of credit to purchase a vehicle at XXXX XXXX XXXX in XXXX, TN was denied by Ally Bank. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to get a vehicle to assist my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card and my Licensed which is also a credit card. They received the benefits from my credit card while I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants, pursuant 12 CFR 1002.2 ( n ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I lost my job in XXXX called to make payment arrangements because I was unemployed they told me since I had transferred my loan to XXXX XXXX had been less than 6 months that they couldn't work with me. So my payments fell behind. Then I got my job back around XX/XX/XXXX and on XXXX the XXXX at XXXX a.m. I called XXXX XXXX to set up a payment arrangement I was going to pay them {$400.00} on Friday with a debit card and then make a {$250.00} payment the week after next. Ally financial agreed to it and then on XXXX the XXXX at XXXX a.m. approximately, ally Bank had my vehicle repossessed. When I finally get an answer to where my vehicle is it had been XXXX hours. Evidently on Tuesdays they have a general meeting until XXXX anyway I found out where my vehicle is they had transferred my vehicle from my residence in XXXX Arkansas to XXXX XXXX XXXX Arkansas roughly XXXX miles away which makes it impossible to get to on the same day especially when they repo your car how are you going to get XXXX miles away. So finally I get the {$1700.00} from selling some assets and borrowing money from family to get my car out of repo. I wire the money to XXXX XXXX at XXXX remind you I wasn't able to get a hold of anybody until XXXX so it's XXXX really when I finally get off the phone with them with an amount so it's been pretty much all day affair I missed work everything because of this. so the next day it went through and I call Ally bank and they said oh we don't have it yet so I give it an hour or two I called my bank make sure the wire went through it did and so I call Ally Bank again and they say oh we don't have it I was like could you check and the lady was like it's shows in our system that is not there it's not there I was like would you just check finally I get them to check after I use a lot of foul language cuz I'm irritated at this point and she checks and goes oh we have it and I was like duh and so they released my vehicle. Then I borrow my dad 's truck I drive up to XXXX XXXX XXXX to pick said vehicle up and what a cluster that was. There was damages done to my vehicle that XXXX XXXX nor the repo company has responded as to who's going to cover it. The repo company got into my vehicle basically they Jimmied the lock got my wallet out of my vehicle after I specifically told them not to I would take care of it. And out of my wallet there is missing {$600.00} in cash I made a police report on it and everything it was just a bad experience we'll just say that and nobody 's taking responsibility for the damages done to my car nor the stolen money I can't get anybody to answer me from XXXX XXXX I have called I've sent emails with descriptions and pictures and still no response back. I've threatened lawsuits I've threatened everything I still get no answer so I'm going to file a lawsuit on Monday which will be tomorrow from this submission it's absolutely ridiculous that somebody would have to go through this especially when there was already a payment arrangement the next day they repo the car you get the car back then they charge you an extra {$400.00} on top of your past due balance and then they want you to make a payment at the very next day I'm like you people XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72802
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am nearing the end of my vehicle loan with Ally Financial. I was told by a representative with Ally that the pay off amount on my loan as of XXXX XXXX, XXXX is {$520.00}. I got an email today showing that my balance is {$1100.00} ( {$520.00} showing as late charge, which is actually the payoff amount, and {$620.00} showing as a payment due which is totally incorrect. ) When I paid the {$700.00} payment towards my loan my account showed a balance of {$520.00} with no late charges. I can not understand how is it that I owe late charges, while making large payments on my account. My prior balance was {$1200.00}. I am going to pay the {$520.00} payment on XX/XX/2022 and not a XXXX more. The contact person at Ally that I have record of is XXXX XXXX no last name given ) who can be reached at ( XXXX ) XXXX OptXXXX, Opt XXXX, ext. XXXX.I hope you guys can assist me with this matter as soon as possible. I have attached documentation which I hope sheds light on my situation. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. i will be sending formal letters certified mail. i have a friend that works at the mayors office i will be contacting them to record a deed, also the attorney general 's office. CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: The Company is aware that there is in fact information that is incorrectly stated and omitted. No Correspondence of any kind was received dated XX/XX/2021, and no proof of such correction was provided as evidence has been provided. In addition, no corrections or contract is valid with such errors without endorsement by both parties. Therefore, this contract is null and void. The documents related to this purchase did not fully and clearly disclose the required information. The Agreement contains unclear terms and have omitted terms which have confuse me and my rights as a consumer under TILA have been violated. Civil remedies for violations of TILA include an amount twice the amount of finance charges, plus attorney 's fees. Creditors can not avoid liability for an error as they failed to notify and correct the error within 60 days of discovery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Good Morning, my name is XXXX XXXX and I'm reaching out in regards to XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) sending in attempts to unrightfully repossess my vehicle from me due to me not having my plates registered. I'd like to inform you that I've made multiple attempts to get this issue resolved but have been unable to do so because XXXX had sold me a Vehicle without them having access to a Clear / Coherent Title. I have a letter from the XXXX XXXX Clerks Office given to me by XXXX XXXX whom is the ( DEPUTY COUNTY CLERK ) on ( XX/XX/2022 ) expressing that the Vehicle that was sold me was registered NEITHER in XXXX or Ally Financial 's Name but rather " XXXX XXXX XXXX '' and in order for me to obtain such requests " either XXXX or XXXX XXXX would have to get the title in their name before it could be transferred over to me. '' and therefore this would suggest to me that the vehicle had been unlawfully STOLEN from its previous owner, transported from XXXX XXXX, to XXXX, and then sold to a young unsuspecting Out-of-State Resident in XXXX Wyoming. I have reached out to the XXXX in XXXX that had sold me the vehicle and it was explained to me over the phone that they " no longer had my information in their system. '' From one of their representatives XXXX XXXX. Which drew my concern After which I was instructed to call their main HQ and spoke to XXXX ( last name refused to be disclosed ) from XXXX XXXX XXXX XXXX XXXX on ( XX/XX/2022 ) ( Case # : XXXX ) who after I explained the situation to told me to give them time XXXX for a response which I have not received. Since then, XXXX has submitted a payment to my financing bank Ally Financial WITHOUT MY DISCLOSURE in hopes to obtain the vehicle secretly. I have reason to believe my consumer rights are being violated, after being informed from Ally Financial that they have not been informed why they have made attempts despite all my payments being made in full without missing any. Ive contacted the Reposession Service whom XXXX has now sent to collect said vehicle from me XXXX XXXX based out in ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Theyve informed me that they can not stop their efforts to attempt to collect my vehicle without the say so of XXXX ; but are unaware of why theyve been sent despite having made payments. Ive sent a Consumer Report about Fraud to the FTC XXXX Federal Trade Commission ) Case # : XXXX Ive spoken to the Sheriffs Department in XXXXXXXX XXXX Ive spoken to Ally Financial whom is my Financee for the car. Theyve sent me emails informing me my car is paid in full, theyve sent me an email about the release of my Lien/ Title but after speaking on the phone for one hour theyve informed me my title to the vehicle will be rerouted to XXXX without disclosing it to me. Ive been spoken to aggressively by XXXX in their customer service dept. Ive Informed the Wyoming Attorney General And Investigator XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Case # : XXXX Ive spoken to the Colorado Attorney General Ive Informed the Deputy County Clerk XXXX XXXX XXXX Deputy County Clerk ) Ive Contacted XXXX about the status of my AutoLoan which has been ( closed ) and paid in full as of XX/XX/2022 ( 3 days after I contacted XXXX ) WITHOUT MY DISCLOSURE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Finance reported to credit bureaus that I was late 6 times. This is absolutely false. I was never late 6 times. In fact Ally themselves never reported that in previous months. They also are contunuing to report a 30 day late payment, when in fact this is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A