Date Received: 2022-01-25
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 received a certified copy of the TX title by mail from Ally Financial on XX/XX/XXXX. I have had numerous issues trying to transfer title with Ally, and have submitted other complaints with the CFPB. This is a BRAND NEW ISSUE, but related to my previous issues. I attempted to transfer lienholder at my DMV and am having a very hard time convincing them that I could NOT have filed sooner because of the delinquency and errors committed by Ally in providing me with the title of the car I purchased through a lease buyout on XX/XX/XXXX - XXXX am being assessed hundreds of dollars in penalties now and tons of extra hassle. I did not have a title from Ally within 30 days of the sale, which was XX/XX/XXXX, and is required by law. I received it XX/XX/XXXX after many attempts to get in touch with them and much hassle and headaches. That title had a glaring error : the odometer statement was wrong by XXXX miles ( too high ), even though I had provided all the odometer statements, etc., to Ally in order to transact. I went through a process to get that corrected with Ally, and also suffered consequences with my new lender, XXXX XXXX XXXX XXXX, because I was delayed in recording them as the new lienholder. XXXX XXXX XXXX XXXX hiked up my rate to 14 % from around 3 % because I was delinquent in recording them as the new lienholder on the title, EVEN THOUGH I HAD NO TITLE TO ACTUALLY FILE BECAUSE ALLY STILL WAS CORRECTING IT. I received a corrected title with the correct odometer reading as per the odometer statement on XX/XX/XXXX, after much hassle and stress in dealing with Ally. THIS IS 5 MONTHS AFTER THE DATE OF SALE. Looking at the affidavit that was signed by Ally Financial, which accompanied the corrected title ( sent XX/XX/XXXX ), it appears that there is one new error on the affidavit. The car YEAR is XXXX in actuality. On the affidavit, it reads " XXXX. '' Furthermore, in the affidavit, the reason that Ally Financial provides for the title reassignment is a misrepresentation of the truth ( please see attached ). The TRUE reason for the corrected title, and should have been cited on the affidavit was for the ODOMETER ( that is an option on the affidavit ). Instead, Ally alleges it was for " Other '' : " during reassignement ( sic ), the agent has made a strikeover on the buyer 's address in error. The address should be read as " XXXX XXXX XXXX '' NO FRAUD INTENDED. '' THIS IS A LIE. There was never any issue with the address. Please see the original title with the address clearly stated and with the WRONG odometer reading, and the certified copy of the title with the CORRECTED odometer reading. THE ADDRESS HAD NO STRIKEOVER AND IS CLEAR, NEVER WAS THIS AN ISSUE. THIS IS A LIE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: hello, I have 3 investment accounts with Ally XXXX XXXXl ( Ally bank online ) for about 2 months. XXXX IRA and 2 rob investment accounts for a total of about 9000 dollars. about 2 weeks ago they inactivated the text code verification for security purposes because I forgot my PIN number and they went ahead with asking me multiple choice questions as a method of verification. since then I have failed their verification answers, they keep asking me about a different person that lives in XXXX Arizona and that has my same age and same maiden name. also they have been asking me about " other people that I am supposed to know that live in Arizona. I keep telling them that I have never lived in Arizona, I have lived in XXXX XXXX for over 30 years and California before that. they would not hear of it and have attached my accounts to fraud and have lock them, I can not see them on my online banking side of it like I used to or have access to it or transfer them out. one time I did happened to speak with one representative that tried to help me and asked me to submit/fax my driver 's license and social security card to the number the representative gave me, I did on the XXXX and email them to XXXX the following day also. XXXX, the representative said that in about 2-3 days they would contact me, I have never hear from them or no body has email me. I keep sending them an email asking what other information I can submit to verify that is me. I keep calling and asking them the same thing and they keep asking me the same questions about someone that lives in a different state and other people that I have no idea who they are. they wound not get me to a manager or supervisor because I have not been properly " verified ''. they would just not help further and I have no body that could help me. the banking part of it I have access to fully but they say they can not help me with the investment part of it at all. like if they separate entities. my phone number is XXXX and XXXX, my email address is XXXX, I have no paperwork to submit because I have not receive a email back or call back, there is no back and forth just me begging to what else I can submit to prove that it is me.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY XXXX XXXX XXXX ALLY XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY FINCL XXXX XXXX ALLY FINCL XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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 item on my credit report, it has been 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: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Bank is charging me late fees for my auto loan when the new statement comes out around the XXXX of every month. The payment is due on the XXXX of the month, and they indicate when the new statement comes out on the XXXX for the following month that my payment is past due. This is incorrect and a way to confuse customers and overcharge them for late fees or charging them when they should not be charged at all. This method of billing is a way to scam customers. Payments are due on due date, not when the statement comes out.
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: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Financial is overcharging for late fees for monthly automobile payment. Late fees are supposed to be 5 % of monthly payment and they are charging {$71.00} which is almost double. This is in addition to other things they are charging on my account and then can't explain or justify. I don't know what they did during the Covid when people requested deferments. This is flat out ripping /scamming customers off and taking advantage of them especially during the time there was a national crisis.
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: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Theses companies are running my credit and I want them to stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX. I received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR. Ally is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do. I called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand. I've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A