Date Received: 2022-07-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2020, my vehicle was repossessed by XXXX XXXX, for Ally Financial. The repossession agent with XXXX XXXX unlawfully repossessed my vehicle by breaching the peach when they damaged my vehicle and towed my vehicle from my private property that was secured. When I learned of the repossession that morning after seeing that they entered my secured property, I reached out to Ally Financial to learn why. The company had never sent me any notice for potential repossession, and I wasn't that far behind on payments. The agents in the auto department refused to speak with me about the matter and directed me to their repossession department. Every time I called the repossession department, I was either on hold for several hours or they would disconnect the call on their end. After about 7 days of constant calling back in forth to recover my car, I finally spoke to someone. The agent refused to give me their names, but stated that in order to get my car, I would need to wire transfer the past balance. They would not accept online or certified funds. The agent gave me the account number to make the payment and I wired transferred the money as soon as they gave me the information. I called the following day to get the information for my car location, and the agents alleged that they never received the payment and that they could not release the location or phone number of the vehicle. I went back to the XXXX XXXX and resent another payment. The repossession department had kept me on hold for about 2.5 hours before they gave me the location of my vehicle. Upon arriving to the location of the car storage area that my vehicle was stored, I spoke with their office about my car and gave all the required identification and information given by the repossession department with Ally. They were very hostile during the process. They attempted to withhold my vehicle because I expressed I didn't feel comfortable signing their required forms for redemption prior to inspecting my car. The agent eventually allowed me to inspect my vehicle before asking for my signature. When the agents working in the lot finally brought my car to the entrance, I noticed that my car had been damaged and many of my personal property items were bagged and placed in my trunk. Additionally, my original car key fob did not work on my vehicle anymore. The car fob that the worker gave to me was old, damaged and not my original. Additionally, my car horn had been disabled, and the dashboard had said that my anti-theft system was disabled. The agent then attempted to reprogram new keys. I went back into the office and told them I was not signing the documents asking me to release the company from liability for property damage because they had. Later, I called Ally to tell them that my car had been damaged and they told me that it was nothing they could do about it. Eventually they gave me an email to escalate the situation. On XX/XX/2020, a representative from the XXXX XXXX department with Ally reached out and forwarded my complaint to XXXX. XXXX told me to take my car to a dealership and pay for the inspection and if that was the issue, they would reimburse me. However, I didnt not have the money to pay for a inspection and get reimburse later. The issue was never resolved. Additionally, I had a XXXX XXXX, XXXX and XXXX XXXX my car the night it was repossessed, and they were not in the bags that was in my trunk when I went through it. The company never responded to my inquiry about retrieving those items. Since then, Ally placed a fee on my account, that has caused me to accumulate many late fees. When I inquired about the late charges between XXXX, an agent finally communicated that I was getting late fees because I had not pay the repossession fee. So all payments I made for my car payment, did not go to my car payment, but to the Miscellaneous charges. This has caused me to have a very negative credit history, despite making timely payments most months. Eventually, the late charges accumulation made it difficult to keep up with payments, and I have a very negative credit history because of these actions.
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: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My husband and I had a lease with Ally from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. Ally started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. Ally fixed the errors on all the Reports except for my XXXX where it is still Collection/Chargeoff and is hurting my credit dearly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ally.com is my lender and servicer. I went online to make an on-time payment. Their system does not allow access to my mortgage information. I can not do anything more than see the total amount due. There is no access to pay or to see balance information or principal/interest payment breakdown. I tried contacting the bank support for the website and spent nearly an hour on hold, only to be transferred back onto a forever hold. I was unable to proceed with the company beyond this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted Ally bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: It's been a lot of difficulties in terms of depositing check with Ally bank. I deposited a check from my account in XXXX XXXX worth {$230.00} on XXXX XX/XX/2022 well before XXXX EST. This is what mentioned on Ally bank 's website for this check deposit : We have information that indicates the check may not be paid. If the check is not paid, we'll notify you by mail. If the check you deposited is paid, we will refund any fees for overdrafts or returned checks that result solely from additional delays imposed by us. To receive a refund of these type fees, please call XXXX. We're available 24 hours a day, 7 days a week. Well Ally need to be very sure rather than speculate. Moreover I have been Ally bank customer for more than a decade then why can't ally notify me that something bad/negative is going to happen to my account? They have my email, phone # and everything. When I called for the other check- {$2700.00} which is for me and my spouse. I was told deposit it again in our joint account. I tried that but it was not allowed. I need to call 3rd time but there was no certainty in terms of what will happen to the previous check deposit-it will be accepted or not? It seems God is running this bank and everybody in Ally bank is totally clueless in terms of what is going on? There is no seriousness in terms of Ally bank 's working. Customers are misguided. During last 4 days, I need to call Ally bank several times... hold times of more than 45 minutes and even after that substandard customer service. Right now I am on call with ally bank beyond midnight of my time.
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: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated an ACH transfer from outside website from my ally bank checking account. It was for {$32000.00} for Thursday ( XXXX XX/XX/2022 ). Within 3 hours, I reallized that i need to stop that transfer. Tried chatting with Ally bank customer service... more than 45 minutes of wait and no help even after that. Then called Ally bank... more than 1 hour on the phone with the first level and then the supervisor ( XXXX ). By around XXXX, XXXX assured me that this amount will be blocked and she charged me {$15.00} from my bank account for this stop payment. Rest assured I was okay with this resolution but later I reallized the transfer was not being stopped by Ally bank even after charging {$15.00} fees to my account on XXXX XX/XX/2022. This {$32000.00} took money out of my Ally bank account and Ally couldn't even stop it even when they knew what they had to do and charged me Stop payment fees of {$15.00}. I had to make another payment but I was under the impression that {$32000.00} was stopped so I made larger payment to this vendor from this website : XXXX : XXXX How shameless, clueless and hopeless Ally bank is and how they are deceiving their customers? Such a long wait time on phone as well as chat and still no good customer service. For more than 10 months, ally mobile app is not working. Still Ally is doing research with no status update. Moreover check deposits are returning as there are not enough instructions on the website. Every time you call Ally bank- they have a different person who give a different narrative of the problem/resolution. When i opened Ally bank account way back in XXXX it was good... but quality has really gone down like anything.
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: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Ally Financial has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( i never gave Ally Financial permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( Ally Financial has reported several late payments on my XXXX and XXXX consumer report, under an open end consumer credit plan. )
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am filing a complaint about my Car Loan Company Ally Auto. I have made regular monthly payments and in the last month they have been deeply harassing me and trying to use bullying and intimidation tactics to get me to pay more payments without explaining why. When I logged onto to my account I could not see where I had missed a payment and I keep trying to tell them there is a technical issue and I am continuing to receive numerous calls text and emails me stating that I am two months behind which is not true. I made my XXXX XXXX XX/XX/22 and I Just made my XXXX XXXX XX/XX/22. I have made payments every month. When I called the customer service agent refused to hear a word I said and kept repeating herself and I also had a very hard time understanding her. What can I do to protect myself from this type of harassment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A