Date Received: 2022-01-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX my car was repossessed. I called Ally 's financial to see what steps I needed to stop the repossession. I was told the total amount I had to pay and how my payment needed to be sent. I was told that when I sent it that I had to provide a reference number for them to send the release out. I called and provided the reference number. I was told that it had already been sent to auction on XX/XX/XXXX. They gave me until XX/XX/XXXX to pay it, why would you send to auction before the customers day that you provided they had to pay buy. I still was trying be understanding of the situation. I called the Auction that it was sent to only to be told they never received my vehicle. When I called Ally financial for the third time I was on hold for over an hour after being told that it would only be a few minuets only to be told that it can take up to 48 hours for a vehicle to show. I understand that, but the vehicle was picked up from the repossession lot and taken to the auction on XX/XX/XXXX which is a total of 5 days prior. It should have already made it to that destination that is only 4 hours away from the location it was picked up from. All day on the phone and i got no where. There seems to be dishonesty somewhere, and the customer service representatives should have a better understanding of what is going on instead of putting the customer on hold for an hour hoping they will hang up so they don't have to resolve customers issues. I have done my part and paid what was owed and still don't know where my car is. The whole experience could have went a lot smoother had they actually waited until the date I was given to pay the amount, Instead I have missed two days of work to go on a wild goose chase for i vehicle I just paid on and still don't have. I can not be the only one who has complained on Ally financial and the way they direct business. This should really be looked into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36535
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Fact, I am one of he federally protected consumers defined in 15 USC 7006. I, affiant, a natural person has been discriminated against for exercising my federally protected rights pursuant to my Retail Installment Sales Agreement. I do so believe ALLY FINANCIAL and all assigns are indeed in violation of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Electric Funds Transfer Act ( EFTA ), and the Uniform Commercial Code laws ( UCC ). Upon my dealings with them I issued an Affidavit of rescission, and a cease-and-desist notice, which they refused in writing, to honor in good faith. According to 12 C.F.R 1026.15 rescission is my right, as XXXX willfully did so, fail to disclose and provide all information of said agreement clearly and conspicuously to me pursuant to 12 C.F.R. 1026.24 ( b ), that which includes proposing for me to sign documents that are not completed. An example of an incomplete document being encouraged to sign, to my lack of knowledge and disadvantage due to unclear and or conspicuous disclosure, is the POA form. The title involved also is not complete. This Rescission notice is made pursuant to 12 C.F.R 1026.15 and 15 U.S Code 1635 ( a ), as the right to rescission is made be it the notice by mailing and be it the notice is considered given in regards to my consumer credit transactions. Furthermore, ALLY FINANCIAL failed to clearly and conspicuously disclose my right to rescind, so be it, and ; I, XXXX XXXX participated in a consumer credit transaction pursuant to 15 U.S CODE 1602 ( i ), with a consumer credit agreement pursuant to 16 CFR 433.1 ( i ) for personal, family and household purposes, so be it. I requested to have communication through mail only to an address given, which is XXXX XXXX XXXX, XXXX XXXX, XXXX Not only did they continue to obsessively call but were sending extortion mail pieces to addresses other than the one I provided, threatening collections of debt and repossession, though with a UCC-11 search you will find I am not liable for any debts. While I am not found liable for any debts, pursuant to 15 U.S. Code 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. As the debtor, I made the lawful efforts of asserting/preserving my rights, including any and all claims and defenses pursuant to 16 CFR 433.2 displayed in exhibits provided to ALLY FINANCIAL, invoking rights to recovery of the proceeds of credit of account, on any instrument bearing my property : signature, name : XXXX XXXX XXXX SSN, and any derivative pertaining to any of my marks that I am the holder of, so be it. In accordance to 16 CFR 433.2, I proceeded to invoke my right as the debtor to assert my claim over the interest and proceeds of the account as the paramount holder in due course, I do so believe I have legal possessory rights to my instruments bearing my name under UCC 3-306, I have reason to believe and do so believe there is more credit of account than debit of account. In summary, ALLY FINANCIAL alongside Texas XXXX XXXX XXXX XXXX is in violation of a dishonored negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, reporting my personal and private information without my consent the credit reporting agencies and including stress caused to me in the attempt of exercising my rights in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me. I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money. Clearly someone is lying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was having eft deposit a weekly basis from a known person and Ally Bank forced closed my account. In doing so they moved XXXX from my account to a unknown account. They verified the person who was sending eft through direct deposit was a known person. They need to return my XXXX to myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
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 requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose. Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
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 requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose. Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a truck loan with Ally Financial. They are showing i was 30 days late on one payment. That is incorrect and this loan is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company continues to pay the incorrect property tax disbursement. They did this in XXXX and again in XXXX. I went through the process of trying to resolve and after several months was told the XXXX issue would be resolved with the overpayment credited back to my escrow account. They would not redo the escrow analysis which resulted in my monthly payment increasing. The overpayment was credited on XX/XX/XXXX as a mortgage payment in the amount of {$5600.00} but on XX/XX/XXXX a tax disbursement was incorrectly sent in the amount of {$5600.00} followed by a tax disbursement on XX/XX/XXXX for {$5700.00}. I've attempted to contact Ally numerous times to resolve this issue and ask they address this to prevent it from happening in the future given this error has occurred each year for life of loan. I get no responses or updates to my inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A