Date Received: 2022-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Summary : Ally XXXX is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct. Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year. We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX. The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that. On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement. I did receive an updated statement and it still indicated this bogus {$3500.00} charge. On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back. As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint. Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank ( Account Owner : XXXX XXXX ) is claiming that fraudulent activity is being performed with my account ( without checking with the account owner that the activity was fraudulent ) and is freezing access to the account until an investigation is complete, which could take several weeks to several months to complete. Meanwhile there is no supervisor that can be talked to, no storefront to go into and the employees do not have any identifying information ( such an employee id, last name, email or phone number ). They will not close the account, allow me to login, or perform any actions that will allow me access to the cash in my savings account. They are holding my cash hostage for an unknown amount of time. There is currently almost {$12000.00} cash in the account, which I need to pay rent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several fraudulent inquires on my credit file. There is also a fraudulent account opened on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had a car financed with Ally which my son was in an accident which was the other driver 's fault, this occurred on XX/XX/XXXX. This has been a total nightmare. At the time of the accident the car could not be driven, it was taken to a towing company the same day. My insurance company was waiting on the at fault driver 's insurance to be verified before before they would pick the car up. I received notice on XX/XX/XXXX from the towing company that the car would be deemed abandoned if it wasn't picked up by XX/XX/XXXX. The at fault insurance company was notified of this notice. They were in the process of making arrangements to pick the car up from towing company and to be taken to a collision center. Before they could pick the car up ; Ally picked it up. I contacted Ally insurance claim department they said they didn't know the car had been involved in an accident. Even after speaking to them I then received a notice that they planned to sell the car. After Ally picked the car up it was taken to several auction sites. Finally, the at fault insurance was and to retrieve the car and take it to a collision center for estimates of damage. The car was totaled. Upon the car being totaled we learned the at fault insurance had made payment in XX/XX/XXXX and was waiting on XXXX to make payment. After making several calls on and off to Ally and XXXX from around XX/XX/XXXX through XX/XX/XXXX ; XXXX was waiting on information they requested from Ally. The last request XXXX asked for was in XX/XX/XXXX from Ally that they needed a PDF of the payment history, Ally never did provide it. I ended up sending it to XXXX myself. After XXXX received it they issued a check on XX/XX/XXXX. This has been a very frustrating experience. I received a breakdown of the payment from XXXX and it looks like everything has been settled leaving a XXXX balance. Since this incident in XX/XX/XXXX, it has been reported negatively on my credit report. I mailed a letter to Ally on XX/XX/XXXX with the details as listed here. I mailed a hard copy of a letter to the CEO of Ally on XX/XX/XXXX and emailed a copy on XX/XX/XXXX. I also left a message at the XXXX 's office on XX/XX/XXXX. I received a call on XX/XX/XXXX from the XXXX office. On XX/XX/XXXX I received a call from Ally. I told them I was not satisfied, that Ally was making it seem as the the car was repossessed and sold. The car was involved in an accident, if it has been repossessed the car insurance and XXXX would not have been involved. I asked Ally on XX/XX/XXXX of a breakdown of how the funds were applied from the insurance company and XXXX. To date ; XX/XX/XXXX I still have not received it. I have experienced with Ally the lack of knowledge dealing with this situation and in dealing with the various departments. Even with my conversation with a representative from Ally executive office on XX/XX/XXXX admitted himself that how things were done and applied internally at Ally that the executive office wasn't accepting the answers from the various departments. I am asking for this to be removed from my credit and that Ally remove the repossession off my credit as well. This should be a XXXX balance according the the breakdown I received from XXXX on XX/XX/XXXX. If possible I do not wish the speak to the representative in the executive office I have been speaking to, When I spoke to him on XX/XX/XXXX I asked if I could speak to someone else, he said he would have his supervisor to call me ; to date, XX/XX/XXXX I have not heard from his supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Ally Financial failed to properly apply GAP coverage benefits to the balance of the loan. See attachment for further details I am prepared to furnish additional details if requested.
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: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Dispute with Ally Financial : XXXX coverage was not applied correctly. I have attached a statement which includes some timelines ; however, I have additional information with special details of my communication with Ally Financial and other companies that were acting on my behalf. I am prepared to provide additional information if requested.
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: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over XXXX different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally Finacial - XX/XX/XXXX Ally Financial - XX/XX/XXXX 2 hard inquiries as a result of fraudulent attempts to open a car loan using my own personal information. I have sent 3 certified letters to Ally and reached out to the creditor to remove these 2 hard inquiries from my report. Final letter sent on XX/XX/XXXX. I have received no response. Please remove these 2 inquiries from my credit report. These hard inquiries are fraudulent and have been done without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This loan was taken out for an ex spouse. It was paid late a few times but now has been closed for several years. The lateness are still impacting my credit score and I have flawless credit since then. This account is still impacting me and preventing me from being approved with other financial institutions. Im requesting this please be removed from all credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was able to transfer XXXX from my Ally account to another bank on XX/XX/XXXX. Then I transferred it back to Ally when they raised their rates. When the other bank raised their rates to exceed Ally 's, I again went to transfer the XXXX - but was not able to, and got a message " This amount exceeds your transfer limit. '' I messaged Ally to ask what's up and XXXX wrote back that Ally has a daily limit of XXXX for outgoing funds. I messaged back that Ally did NOT have that limit a couple weeks ago when I transferred funds, and they did not inform me of any change. XXXX wrote back ; she obviously did not read what I wrote, as she responded that " There is NO dollar limit for internal transfers. Due to a system limitation, some XXXX receive an error message when attempting to schedule a single internal transfer. ''
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: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A