Date Received: 2022-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a lease vehicle through Ally Financial from XX/XX/XXXX until XX/XX/XXXX. I made timely payments throughout the life of the lease. I turned in the vehicle and took on a new lease. Unknown to me at the time, Ally did an inspection on the vehicle and asked for an additional {$530.00} in excess wear and tear on the vehicle. They mailed this request in a letter dated XX/XX/XXXX to my former address which I had vacated XX/XX/XXXX. All of my communication during this lease had been via email and my communication preferences on my account indicated this as my preference. No email was sent or phone call made in an attempt to resolve this situation. I only became aware of the debt because of accessing my annual credit report on XX/XX/XXXX provided by XXXX. I attempted to contact Ally that day to resolve this issue but was forwarded to a debt collection agency. I followed up with both Ally and the debt collector on XX/XX/XXXX with questions regarding the inspection report itself and why no one attempted to contact me and no one at the collection agency nor Ally is willing or able to give me that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! Thank you, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a few paid in full closed accounts on my report that I would like to request to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I financed a car through ally financial in XXXX and paid for XXXX insurance. In XX/XX/XXXX the car was totaled which the insurance paid for and whatever was remaining was paid for by XXXX insurance. I had no idea about a balance being open or where it can from. I was also never late and always paid, and you would see this is the only account on my report with issues but no others. I filed for unsecured credit card debt chapter XXXX after a divorce in XX/XX/XXXX and I know that its on my report. However, ally is using that and staying on my credit damaging it so I dont get loans and wont talk about where this amount came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account. The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased my lease vehicle through XXXX XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through XXXX XXXX XXXX Ally. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
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: Took out a loan with Ally Auto Financial XX/XX/XXXX : {$24000.00} -- -- loan amount XX/XX/XXXX : monthly payment @ {$460.00} via ACH XX/XX/XXXX : payoff printed, paid {$23000.00} via ACH payoff from Ally web portal XX/XX/XXXX loan paid in full Called after 60 days for Title- XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Where in the world is the Title for this car. No one knows, never sent, never processed. So everyone else lied to me? The loan was fulfilled, debt paid. Where is the Title for this vehicle and it should not be this difficult. This is fraudulent. To hold the Title hostage for almost a year and every single representative has told me- keep waiting only to find out that it's never been processed. No solution, no one at Ally cares or can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had two separate fraud claims with ALLY BANK One for {$25000.00} and One for {$750.00} I called at least 25 times to resolve these matters. Instead they falsly claimed they sent forms to my address with no proof. Instead of returning my money they closed my amounts. This bank committed fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY continues to report a late payment on an account that was complete in XX/XX/XXXX. XXXX, continues to report this account which should be closed. Calling XXXX, results in disconnection. Ally reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A