Date Received: 2021-10-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. The car was almost paid off my husband the veteran I was stressed out. I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company continue sending mail. This account is under a class action lawsuit against Ally Financial and won by the defendants and class, the case has been close judge order was and company trying to collect is XXXX XXXX XXXX XXXX a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Pursuant to 12 CFR 1006.30 a debt collector may not furnish information regarding a debt to a credit reporting agency without consumer 's consent. However, in addition to consistently furnishing information regarding this alleged debt, on XX/XX/XXXX ALLY FINANCIAL reported a late payment in my name to XXXX ( see attached ). Also, on XX/XX/XXXX I requested that this alleged debt be validated by ALLY FINANCIAL. Note that under FDCPA Section 809 ( b ), ALLY is not allowed to pursue collection activity until this alleged debt is validated. Be advised that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. Ariz. 2004 ), the court ruled that reporting a collection account is, indeed, considered collection activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: A rate was locked at 2.375 % to refinance my home with Ally bank. All steps were followed for data collection and an appraisal was conducted by an outside third party. The appraisal report came back filled with a number of statements that were false ( appraiser stated we spoke a number of times, requested specific information be included, etc ). He came to our home the day of the appraisal, he walked through our home, and then left and we never spoke again. I find this to not only have sabotaged a refinance due to a low rate not wanting to be honored but I was also charged the {$550.00} for the appraisal yet no one will explain to me why its acceptable to supply a report that has false information in it. When dealing with such important things such as someone's mortgage I feel that ethics is a very important items to uphold and when a bank can accept false information I do feel its not only wrong but unethical.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there has been a number of " hard inquiries '' on my report were not subbmited by me and i need assistance in removing them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I had transferred a car loan from one lender to another in XX/XX/XXXX from Ally Financial to XXXX XXXX XXXX. In the process, I no longer needed GAP insurance and was supposed to get a refund. My mail was broken into on XX/XX/XXXX and the check was stolen. This was in the middle of a natural disaster in Texas and did not become aware that the check until XX/XX/XXXX. I contacted the lender, Ally Financial, who first accused me of assisting someone to cash the check and refused to help me. I filed a complaint with the XXXX which cause Ally to reach out to me and asked me to file an affidavit with me and XXXX XXXX XXXX who cashed the check on XX/XX/XXXX. I have been attempting to get a status of this and when I can receive my money but Ally refuses to contact me or return my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ally Financial ( aka Ally Invest, aka XXXX XXXX ) failed to perform its fiduciary duty to me and also stole money from my brokerage account. I have been in dispute with Ally Financial trying to get my money back that was stolen from my brokerage account as inactivity fees ; a total of {$200.00} of which I only received {$50.00} refund. Ally Financial still owes me the remaining {$150.00}. I accuse Ally Financial of the following : 1 ) Stole money from my brokerage account. 2 ) Failed to perform their fiduciary duty to me as my de facto brokerage firm. 1 ) I initially opened my brokerage account with XXXX in XXXX. There was no inactivity fees in the agreement. At the time, I was aware of Trade King ( now Ally Invest / Ally Financial after XXXX acquisition ) in that it charged inactivity fees and had decided not to do business with it. In XXXX, XXXX was acquired by XXXX XXXX ( XXXX ) and it became my de facto brokerage firm. I did not have any agreement with XXXX. I was not able to move my account out of the firm because it was the Great Recession and I would have incurred a big lost. Also during the merger, XXXX and XXXX ' CEOs jointly sent out e-mails to XXXX account holder promising to " keep the same ... products and services that attracted them to XXXX to begin with. '' ( Refer to attach document Doc1 for e-mail printout ). However, XXXX broke that promise by stealing money from my account yearly from XXXX to XXXX as inactivity charges. I have been in dispute with Ally Financial to recover my money. 2 ) I have been contacting Ally Financial to recover my money but the firm was not interested in helping me. It has failed to perform its fiduciary duty to me. In XX/XX/XXXX, I did a web chat with agent XXXX and he agreed to give me a refund of the inactivity fee from 4 years, that would be {$200.00}. However, I found out some time later that only {$50.00}, one year of fee was refunded. I asked for 4 years in my original chat, so I went on web chat again, and was connected with manager XXXX XXXX. He told me that XXXX did not mean what he said and that he only agreed to give me one year 's worth of fee that was {$50.00} instead of the {$200.00} that I asked for. He said that XXXX could have been more clear, but then did not rectify the problem, and instead continue to say that company policy only allowed for a one time refund. XXXX ended the chat with while I was still inquiring about the money. That was not customary business practice. I accused Ally Financial of failure to act in my best interest. The firm and its agents did not honor their words with me. All in all my account was hit with more inactivity charges than commissions for the service. ( Refer to attach document Doc2 and Doc3 for chat transcripts. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91731
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to all of these company 's and they will not help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have multiple inaccuracies with The Ally Financial Account on my profile. The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX! Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX shows charged off while XXXX shows 120 days late in XX/XX/XXXX, then " OK '' In XX/XX/XXXX, Then " Charged off '' from XX/XX/XXXXXXXX to XX/XX/XXXX, Then " OK '' From XX/XX/XXXXXXXX til XX/XX/XXXX. XXXX XXXX XXXX are also showing the following inaccuracies : Last Reported : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX Comments : XXXX-Subscriber reports dispute resolved - consumer disagrees. Unpaid balance reported as a loss by the credit grantor. XXXXCharged off account Auto Date Last Active : XXXX XXXX XXXX Date of Last XXXX : XXXXXXXX XXXXXXXX The account that Ally Financial is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called in to ask to explain my interest charges varies up and down so drastically even when I pay extra. The supervisor explained the daily rate and how it is calculated. I the asked why does there portal state I do not have a payment due for 2 months. I thought that was very odd and very confusing. He stated I can pay but so not have to. I then asked why would that be. It feels they state this so I wouldn't pay for 2 months and would be charged {$280.00} in interest charges in XXXX. This message that is presented to me was made to confuse me and make me feel as if I am ahead of schedule. This feels like a very misleading tactic with no benefits towards the consumer. If they would leave my bill the same I would pay it as required by our agreement. This actually happened back in 2020 where I saw only {$100.00} was due. Now I understand they simply charged me more interest on the {$220.00} I didn't pay that month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A