Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For the Ally account, it shouldn't even be reporting late. I don't know why they are when I have never paid late? Please remove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: XXXX. XXXX, XXXX I have attempted to have this debt removed from my credit report several times, several ways and Im attempting again. Please find enclosed my last attempt with XXXX Confirmation # XXXX. Here is the story : I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, Michigan. The Finance company was ALLY Financial. I then re-sold that XXXX XXXX back to XXXX of XXXX XXXX for my current vehicle a XXXX XXXX XXXX XXXX. During the so-called payoff, XXXX XXXX XXXX Ally Financial {$71.00} at the time and was 16 days late making that payment. I have Enclosed a printed Live Chat conversation between myself and a lady named XXXX representing Ally Financial. It is my opinion that I am not responsible for this debt. XXXX XXXX is. I do not own that XXXX and when I was purchasing it every single payment was early or on time. This debt should not be Included in my credit report. I have a very, very poor relationship with this dealership and have attemped to clear this matter. Obviously XXXX did not thoroughly investigate my claim. Im asking that this is removed from my credit report it is not my debt, it belongs to XXXX XXXX XXXX XXXX, Michigan. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49037
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a vehicle financed through XXXX paid the vehicle off XX/XX/21 before the contract was up. On my credit report it is showing the loan was charged off under XXXX states the account is showing paid by consumer and not charged off. I have disputed the error but it still remains the same
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: im writing this complaint because i sent Ally Bank a Request for accounting. Request Regarding List Of Collateral or Statement of Account. As of XX/XX/2022 they are in receipt of Certified Mail number XXXX XXXX XXXX XXXX XXXX and have 14 days from the time of receiving Affidavit to respond and i wanted to let your agency know that this request has been sent, as well as a email to the CEO XXXX XXXX at XXXX, as of XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX, we leased a vehicle through Ally Financial and the vehicle was returned in XX/XX/XXXX to XXXX XXXX. Ally sent out a notice saying that a final balance of {$2700.00} was remaining after the lease ended. In XX/XX/XXXX, Ally financial added {$26000.00} in mileage charges that are not listed in the contract. Ally financial also failed to produce a contract showing justification of the additional costs after being asked many times. In XX/XX/XXXX, Ally financial also proceeded to report the loan as open hindering future auto loans and therefore making securing an auto loan difficult due to having a current open loan for a vehicle no longer in our possession. My spouse and I have both tired to have this fixed directly with Ally but to no avail. Their response is to have a manager look at the account but we only receive letters and calls no resolutions or validations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am facing financial hardship due to the Covid 19 lost my job due to lack of work and been paying on my car but late and have asked ally if they can take into consideration my financial hardship due to Covid 19 and remove my late payments as it is affecting me tremendously and it was a law that was bypass for companies to help this affected. Instead they keep reporting me as late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A