Date Received: 2021-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Ally Bank is Violation of the Fair Debt Collections Practices act Law as well as fraud. I wrote to this company several months ago, requesting Verification. They did not respond back to me in the allowed time frame the law allows ( 30 days ), and still continued collection activity. They have committed Fraud and Broke the Law, as well Violated My Consumer Rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: For over XXXX years Ive tried with both ally XXXX XXXX XXXX and XXXX to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to Ally Financial has me as delinquent on XXXX Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXXXX also Ally Financial was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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: My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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 decided to refinance my auto loan via where I have my checking and savings accounts. Per the request of my banking institution I requested a " Ten Day Payout '' document from the auto loan company. I received by email said document and forwarded on to my bank. My bank in turn sent a check to the loan company for an amount greater than the tenth day of the payout which was received and promptly processed and credited to my loan. HOWEVER, instead of applying the payment as a " payout '' it was applied as forty-five ( 45 ) payments, with my next payment due in XX/XX/2025. I have brought this error to their attention, and a supervisor with whom I spoke opened a " case '' to investigate. I heard nothing back from the supervisor as promised. Not receiving a response I sent letters describing my situation to various departments and Chief company Officers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53220
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Auto is my lienholder for my vehicle. I totaled my cat in an accident. I am still waiting on the insurance to present payment, etc, but in the meantime I have been car shopping. I have been informed by a dealership that Ally Auto has reported me 30 days late on payments 6 times. I can only remember 1 time I was 30 days late. When I called to ask about it, they said that when they deferred my payments, the following payments were applied to interest, meaning I was 30 days late for 3 months. I am appalled that they can approve a deferment and then turn around and report late payments WHILE YOU ARE MAKING PAYMENTS because it was applied to interest! I made the payments, where it was applied should not be of issue. The dealer has also informed me that they have done this to many people. The Ally Auto representative said they are allowed to do this, but it is false reporting and a false representation. It is also affecting my ability to obtain another vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: I got my loan initiated on XX/XX/2021. I received my information to setup on my online banking, and it reflecting that my next payment date was on XXXX XXXX. On XX/XX/2021 I made a payment of {$200.00} which is more than the minimum amount due with the anticipation that it would be applied to the XX/XX/XXXX bill. On XX/XX/XXXX I got an email stating that my payment was late. Which made no sense to me since I had made a payment on XX/XX/XXXX. I called and spoke with a representative who informed me that I made my payment too early, so that even though it was applied to the loan, it did not affect my XXXX due date. I told them I would be making my payment that day, however I wanted them to reapply the payment made in XXXX, to credit my XXXX payment, and the payment I was making that day to credit XXXX. They stated that they could not allocate the payment. I requested a supervisor, who stated they would not reallocate that payment and could not give a guarantee that it would not reflect on my credit, but she would waive the late fee since I was going to be making a payment that day. I advised that should have never been charged a late fee since i was never technically late, having made a payment in XXXX to cover the XXXX payment and now making my XXXX payment. After requesting that they escalate my issue i was told that i would have someone call me back. By the afternoon of the following business day i did not have a call back and I again reached out to Ally to have them make the payment right. They did confirm that it would not reflect on my credit, since they don't report to credit reporting agencies, however they refuse to reallocate my payment to reflect that it was in fact paid in XXXX, and that the payment made in XXXX was for XXXX. All I have asked is that they reallocate my payments accurately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I started my auto loan on XX/XX/XXXX. Ally Auto charged me XXXX percent interest on a XXXX XXXX XXXX because my fiance and I had just moved to Georgia from XXXX XXXXXXXX. We needed a car, so we took it. I made the first payment on XX/XX/XXXX for {$400.00} and received a confirmation email. I was not happy about the interest rate and decided to refinance through my credit union, XXXX. They set me up with a savings account to pay off Ally. My fiance, who is on the loan, put in the payment information wrong as a checking account but they managed to withdraw a payment of {$3100.00} on XX/XX/XXXX, and I received a confirmation email. I corrected the status of the account as a savings account after I called Ally and asked them to unlock my account, as my account was locked due to the error between checking and savings. I paid them {$13000.00} on XX/XX/XXXX, and received a confirmation email from Ally. We had gone to the the car lot, XXXX of Georgia XXXX, and canceled the gap and warranty on the XXXX, because of the refinance. They sent a check to Ally for the canceled gap and warranty for {$2900.00}. Ally claimed they never received this check, so we went back to XXXX of Georgia XXXX and they said they didn't know why Ally hadn't cashed the check. We had them send a second check which they say Ally cashed on XX/XX/XXXX, and produced documentation, which I photographed. Now Ally says they returned the check, I'm not sure why, and they are trying to charge me a returned check fee of {$710.00}. The check clearly wasn't returned. Now I have called them today because they say my payoff is {$3100.00}, which oddly enough, is the payment they took on XX/XX/XXXX. They also tried to say this payment was returned to me, but my bank statement does not show {$3200.00} returned to my account. It says Ally withdrew that amount on XX/XX/XXXX. I specifically told the representative I spoke to, to not return the check. Ally refuses to send me a XXXXXXXX XXXX so I can get my title. I have called numerous times and was promised the the XXXX XXXX was processed and would be sent to me in a light blue envelope, and was even given a XXXX XXXX processing transaction number, all to no avail. They continue to call and harass me for {$710.00} for a returned check that wasn't returned at all. I've paid them {$20000.00} between myself and the car lot returning the gap and warranty, after they told us the payoff was {$17000.00}. I've sent documentation to the email they gave me, XXXX proving they've been paid, but I never get a response, only collection calls and emails. Had I known Ally has a reputation for charging extra money, repossession of vehicles without proper notice ( during the pandemic after advertising on their website and during calls that they will provide assistance if you can't pay ), and refusing to send titles or taking extra long to process titles, I would not have entered into a contract with Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: on XX/XX/21 at XXXX, I received a call from XXXX at Allied Financial. She admitted she was looking for a relative of mine in hopes of collecting a debt and had looked up my information. I have no business relationship or contract with this company and I am disturbed that a random stranger is looking up my personal, protected, private information without my consent. When I asked how she obtained my information, she refused to answer. I reached out to the family member they were looking for and he did not give them my information. When I called back and spoke to the supervisor XXXX XXXX, he stated theyre only allowed to use information provided and she shouldnt have looked up my personal information but he could not verify what else this individual looked up or accessed. I am now concerned that my SSN had been looked at as well as other personal protected information. This is illegal and harassing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32952
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A