Date Received: 2022-02-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I payed my bill today, XX/XX/22, which was not late. I was still charged {$71.00} for a late fee with Ally Auto. There is a 10-day grace period. On XXXX of XXXX, XXXX from the executive office called me and I missed the call. I returned the call a few days later. She would not answer the phone, neither did she return my call. I don't see where they are attempting to fix my account and that person did not return my call. The same thing happens over and over with the company and phone reps. I guess they think if they don't talk to customers and avoid them, that will fix the problem. That will not fix the problem, their actions are a sign of guilt of overcharging these fees and refusing to explain.
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: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Adverse Action ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by Ally Bank On XXXX XXXX, I applied for an auto loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). Ally Bank has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ XXXX 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ally Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. BEST XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX My 2020 XXXX XXXX was totaled, which was leased through Ally XXXX Ally sends me a payoff letter of {$47000.00} ( attached ) XXXX XXXX, my insurance company, sends Ally a payoff amount of {$50000.00} XXXX Ally sends me a letter stating I owe {$530.00} ( attached ) On the payoff letter Ally sent me, it explicitly states a Total Other Charges amount of {$750.00}, which is included in the overall payoff amount of {$47000.00}. On the letter I recd from Ally on XXXX, it lists Personal Property Tax amount of {$750.00} & a Less Other Funds Received amount of {$210.00}, resulting in a balance owed to Ally of {$530.00}. I do not owe Ally {$530.00} as that amount was already captured in the payoff, as indicated in the payoff letter sent by Ally to me. Additional background : XXXX I called XXXX to see why Ally sent me a letter stating I owe a balance. They said they show a zero balance and to ignore the letter. If I receive another letter, contact XXXX again. XXXX emailed Ally and made them aware of above XXXX recd a collection call from Ally and made them aware of the above XXXX emailed Ally again to restate the above XXXX I contacted XXXX and we made a 3-way call to Ally. They said to send an email to XXXX with all documents enclosed. They said I will receive a response in 1 week. If not, to contact them at XXXX. XXXX I never received a response, so called XXXX, ext. XXXX. The representative XXXX said that the person who has access to the email box, a Supervisor by the name of XXXX, was not available. XXXX said she would call me back today once XXXX became available. XXXX never received a call back, so filed XXXX complaint against Ally & sent escalation email to XXXX XXXX received a call back from Ally Executive Complaints. XXXX asked that I give her a few days to research and she would call me back. XXXX I received a call back from XXXX and she said I owed the money. I explained all the above and she asked that I send her an email with the documents and history. XXXX I received a letter from XXXX that included my lease agreement & explanation of charges. This letter basically reiterated that I owed the money. XXXX I emailed XXXX again & filed a second XXXX compliant against Ally. Week of XXXX recd 3 calls from XXXX with Ally Executive Escalations XXXX called XXXX back. She reiterated the money was owed, but I disagreed. I added that this has been a huge inconvenience, the lack of customer support was abhorrible, that I chose to lease my new vehicle through Ally again, and that no one from Ally asked if myself or my XXXX daughter were okay in the car accident that totaled my vehicle. XXXX stated she would submit for the {$530.00} to be waived. XXXX received a collection letter from XXXX XXXX XXXX sent dispute letter to XXXX & included payoff letter from XXXX & the account settlement letter from XXXX. XXXX received a letter from XXXX stating they enclosed the information I requested. First of all, I didnt request anything ; secondly, they enclosed the same letter I sent them, which was the account settlement letter from XXXX. XXXX called XXXX and left VM, but no response XXXX called XXXX and spoke with XXXX XXXX reiterated history of issue & he sent in second dispute XXXX emailed XXXX for third time
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: i purchased this XXXX XXXX XXXX from XXXX in XXXX colorado, ally bank baught the loan. XXXX i paid XXXX down made XXXX extra in payment. a few months later a interest payment came thru it was the same as my bill. XXXX, i payed it the payment went thru and instead of a payment it was a minus and doubled the payment to XXXX so i tryed to a pay that off and then it went to XXXX several phone calls later the wanted to repo the car. so i called the president and told he let me refinance. and she did so it started as a interest payment. now the car was refinanced to XXXX XXXX. and i got a message said the payment was made. i made XXXX phone calls to ally bank there still trying to repo my car XXXX payment was made thats all the information i can find. there telling me that there going to repo the car. im in a wierd situation. the account number is the serial number on the car. im changing my name to XXXX so i used that name on the paper work. and theyve either made a mistake or there trying to sell it twice i dont know, i make over XXXX a year its not the money but to think that they can do this. im thinking some one is just trying to get my information. if you can make sure that they refinance the car to only me ill. be happy about this i wish i never used ally bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Thank you for taking the time to review my credit file. I did not give permission to the following companies to pull my credit report. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: *THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Social Security was ringing without my cas and I would like to report these XXXX XXXX increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 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 XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Sensible XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these XXXX hard inquiries to be removed please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A