Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have two accounts with Ally Financial my payment history has been outstanding good record. Every month I've made my payments on time and always paid balance owed or larger. In XXXX of 2022 I thought I had scheduled payments for both personal and business. I started getting calls after the XXXX saying that my payment was past due. By the time I logged in I was a payment behind 30 days. I immediately submitted the past due payment and payment that was upcoming. In those 30 days I was dealing with a lender getting documents and things together that I did not catch that the personal payment was not submitted it was a honest mistake and you can tell by my track record with the financial company that payments with both accounts have always been on time. I was financial capable at the time but for some reason either I didnt hit submit all the way through the end. I have called this company to ask them for forgiveness because I have seen testimonies stating they are good on issues such as those. They reported a claim but I have not received a letter back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ally Financial was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was XXXX as a result, and I received a letter as well as about {$50.00} settlement amount. XXXX XXXX XXXX XXXX XXXX is attempting to currently collect the debt that was settled in the class action lawsuit against Ally Financial and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: See the Attached documents pertaining to identity theft and unlawful actions ADDED Exhibit
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Ally has violated my Federally Protected Consumer rights under the FDCPA and TILA. ALLY FINANCIAL is a debt collector pursuant to 15 usc 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt. ALLY FINANCIAL is in violation of 15 usc 1692c ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. ALLY FINANCIAL is in violation of 15 usc 1692b ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. ALLY FINANCIAL is in violation of 15 usc 1692b ( 5 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. ALLY FINANCIAL is in violation of 15 usc 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person with the collection of a debt. The use of obscene of profane language or the natural consequence of which is to abuse the hearer or reader. ALLY FINANCIAL is in violation of 15 usc 1692c ( a ) ( 1 ). A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. ALLY FINANCIAL is in violation of 15 usc 1692e ( 8 ). Communicating or threating to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ALLY FINANCIAL is in violation of 15 usc 1635 ( a ) in the case of ANY consumer credit transaction in which security interest is obtained, the obligor shall have the right to rescind the transaction until XXXX of the third business day following delivery of rescission forms required under this section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account was compromised and someone began making fraudulent transactions on my account. I received a phone call from the fraud department letting me know that fraudulent transactions were taking place. My debit card was cancelled and a new one was sent out. I called to ask whether the thief took my debit card number or had hacked my account, I was told it was the debit card and a new card would solve the problem. Fraudulent transactions continued. New debit card was canceled and this time, the representative claimed the thief had taken my account number. I set up a new checking and savings account over the phone with a manager. As I was setting up the new account, my account was actively being hacked by the thief. I was also told that this person ordered a new debit card to his address and changed all of the contact information on my account somehow. This second account was then hacked as well, despite there being no way the thief could have taken this new information. My account has been frozen off and on for approximately a month and two weeks now, and most of my money has been stolen. I have not had access to my money for such a long time, my bills are piling up and Ally won't answer the phone. I have never received a debit card or checks to my new account and have never had online access either. Now I am trying to close my accounts and receive a check with what remains of my balance, but Ally is refusing to return my money and refusing to close the accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I am at the end of my Lease with a vehicle through Ally Financial. They have given me a buyout amount in my lease contract ( to buy the car ) and quoted me through their customer service team. I have been approved for financing through my credit union, and Ally Financial refuses to send the proper documentation to my credit union so I can complete the buyout. They have only given me the option of financing the buyout through them ( XXXX ) at a much higher interest rate than my credit union, paying cash, or going through a dealer. The dealer option has dealer fees associated with it, and the payoff is higher than the quote I got from Ally ( dealer buyout is different amount? ). Ally will not allow me to use a lender of my choice, and are forcing me into a loan for this car that is not reflective of my credit. My Credit Union approval was for {$24000.00} at 2.75 % APR for 60 months XXXX XXXX ( Ally 's company they will let me finance through ) approval was for {$24000.00} at 4.49 % for 60 months The dealerships said they can match my credit union rate, but have a $ XXXX document fee, and a higher buyout ( {$2500.00} higher ) from Ally Financial than what I have been quoted. I have a chat transcript from Ally on XX/XX/11 that states they will not send the lease buyout documents to my credit union or any 3rd party for that matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My XXXX account has been deactivated by Ally Bank for security reasons. I understand why it was deactivated. Ive tried to contact them multiple times over the course of 48 hours to get the XXXX account reactivated but Ive been on hold for over 45 minutes four times with no answer. Ally Bank has not responded to direct messaging on their app. They do not have in-person branches so my only recourse is to wait on hold for hours at a time. I reached out to Ally Bank on their social media channels with my name and phone number with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address XXXX uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - Ally Bank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated XXXX XXXX po box
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At XXXXXXXX XXXX on Saturday, XX/XX/22, someone hacked into an app on my phone for XXXX XXXX XXXX restaurant. They were able to make a purchase for {$96.00}. While two other cards were saved in my account and those institutions declined the transaction because it was for a location hundreds of miles away and delivered to a shopping center, Ally let the charge go through despite their being insufficient funds for the transaction. I immediately changed my password and called Ally. I was on hold for over an hour before being disconnected. I called back and sat on hold for extended periods of time, even at XXXX XXXX. I also attempted to chat with them, emailed, and contacted them on XXXX, XXXX, and XXXX. Its now XXXX XXXX. I received responses from them on XXXX and XXXX saying hold times were longer than normal. No resolution or care for obvious fraud. Im also now not able to even access my online account because the account has been locked by them with the only option to call. I tried doing that and sat on hold again. This appears to be a widespread issue as there are many complaints on XXXX. Its completely insane that I cant report fraud and secure my account or get any meaningful response from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A