Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I HAVE ASKED ALLY AUTO FINANCE TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing the Consumer Financial Protection Bureau as I believe banks could do more to protect their customers during XXXX money transfers. Here is how I lost {$200.00} : I sent money using the XXXX feature on my Ally Bank account to a phone number I had previously and successfully sent money to. Unfortunately, I learned that they had changed their number and the older number I sent it to is not in service ( I tried calling the old number and I get an automatic message saying the number is not in service ). Ally told me there was nothing they could do. XXXX directs me to my bank. I have zero recourse. I contacted the intended recipient and they let me know they changed their phone number and that one of their children also recently was unable to recover money sent to her incorrect phone number. To clarify the entirety of the XXXX money transfer process, I'll walk through the steps in the paragraph below : I sent {$200.00} on XX/XX/2022 to a family member from my checking account using XXXX from my Ally checking account. I sent money to her about a year ago and Ally still showed them as a recent contact. When sending money, the name of the person is clearly displayed throughout the process. On the last page, right above the final 'Send ' button, there is the following message : " XXXX needs to enroll with XXXX using ( xxx ) xxx-xxxx to get the money. By choosing Send you authorize this payment. If you want to cancel before the payment processes, you can go to Activity. For questions, call us anytime at XXXX. '' There is no warning to verify the person 's phone number is correct. When using XXXX with other banks, I would be prompted with the recipient 's first name before I sent the money as a confirmation. Ally doesn't warn or try to protect their customers. I talked to the intended recipient and she mentioned that the same thing I'm going through happened when her son tried to send her money as well. They also had zero recourse. It amazes me how there is no consumer protection. Nothing was in place to stop the same issue from happening. No system to flag phone numbers or email addresses. To summarize, here are my complaints : 1. Ally doesn't do enough to warn its customers that the transaction is not reversible. One could argue that the message shows on the final 'Send ' page insinuates that the transaction isn't final. There is a false sense of security. 2. XXXX allows disconnected phone numbers in their system and will take payment without any verification that the phone number is still active. 3. There is zero accountability. There needs to be a system in place for official complaints to specific email/phone numbers. Thank you for your time.
Company Response:
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2022, Ally Financial - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from Ally Financial do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifia ble evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84103
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For almost 2 years, I have tried to get XXXX to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company Ally Financial. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted Ally and they are fully aware of the error in their reporting, they have yet to correct it on my XXXX credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial incorrectly reported to the credit bureaus that my XX/XX/2022 payment was late ( it was not ) and then reported the balance of my loan ( XXXX left on a {$27000.00} loan ) delinquent. This is destroying my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
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: On XX/XX/XXXX we received notification through XXXX informed delivery that Ally Financial had mailed a document to our former residence.The subject vehicle was never registered to that address therefore no communications regarding that vehicles loan should have been sent there. As my wife works in title for a mortgage company she quickly identified this as disclosure of XXXX. I contacted Ally the same day to discuss this and see what there plan was to remedy the situation. They stated they had updated the address and no further communications would be sent to that address. This morning XX/XX/XXXX we were again informed by XXXX informed delivery that an additional 2 documents were sent to that same address. After speaking with a supervisor at Ally for a second time we confirmed that both of those documents also contained XXXX. As the address these documents were sent to was a rental property we can not confirm whom may have received this information and what they may have done with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A