Date Received: 2021-10-22
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 392XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XXXX XXXX I the consumer XXXX XXXX went to XXXX XXXX in XXXX, Pa where I entered A consumer credit transaction. I was then extended my credit through ally bank to purchase a XXXX XXXX XXXX. After this transaction was made with my credit card or social security number which paid for this transaction without I the consumer to assume any liability pursuant to 18 USC 8, I began receiving billing statements requiring me to pay an alleged debt that I did not owe. Pursuant to 15 usc 1666 ( b ) this is a billing error. The billing amounts reflect a positive balance in which they are saying I owe but it is unlawful to pay on a positive balance. Pursuant to 15 USC 1692 ( e ) This is false and misleading. Adverse and threatening action was then taken against me for this alleged debt. My vehicle was repossessed by an unauthorized third party, in which it was never in their possession nor did they own it which is theft, all without my consent or prior knowledge. They also sent documentary evidence confirming this adverse action against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount. XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days. XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct. Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account? XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36507
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Their are hard inquiries that I did not authorized and I want them to be removed. XXXX XXXX XXXX XXXX XX/XX/2020 ALLY FINANCIAL- XX/XX/2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I called the company many times, and tell them to fix the amount on my current balance because is inaccurate and incorrect. It shows on my credit report as {$1200.00} and I only owe {$360.00} they said they cant do it, with our giving me an explanation. On XX/XX/2021 I submitted a dispute with XXXX and I was notified that the company states that information on balance in accurate. Today is XX/XX/2021, They are not correct and they are giving me a lot of problems because is damaging my credit score with false information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06512
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX I leased a brand new XXXX XXXX in XXXX, CO. The lease was for 3 years, I made every payment on time, and took very care of the car. At the end of the 3 years, I extended the lease for another 6 months. I had excellent credit and very good job. In late XXXX my wife fell ill and after tens of thousands of dollars of medical bills she became disable and couldn't work. We accumulated high credit card balances. However, I never missed a payment on any of my credit cards or the lease payment. In XX/XX/XXXX XXXX informed me that I can't extend the lease any longer if I want the car, I can buy it. They told me that based on my excellent payment history with XXXX, if I finance it with XXXX the interest rate will be between 4 % - %, but I have to do that at XXXX Dealership, so I went to the closer XXXX Dealership on the last Saturday of XX/XX/XXXX. XXXX XXXX in XXXX, MN lied to me and told me that they can't finance the loan with XXXX XXXX, it has to be a BANK. They recommended Ally. I wish I never went to this dealership, other XXXX dealers in the area told me ( after the fact ) that XXXX did not use XXXX because Ally pays them to bring customers in. They told the interest rate will be 9.25 % for 60 months. I thought with my excellent credit it should be much less however, it was the last day I can buy or turn in the car. Ally Financial and XXXX XXXX took advantage of 70 year-old trusting man. Ally knew that they were deceitful so they didn't send me any paper work, and their website doesn't show how much was charged, and the statement have to be downloaded and it doesn't show much either. After paying Ally about {$8700.00} ( 33 month X XXXX ) they show that I still have 41 month remaining at XXXX that another {$10000.00}. I called Ally at the beginning of the year and asked them if I can make the payment on the XXXX of the following month rather than the XXXX of the month, they said if it's less than 10 days there will be no late fees and no extra finance charges. On XX/XX/XXXX I called again because I saw the finance charges would be much higher this year than last year. After 45 minutes with the agent, he would not give me any details. So, I gave them a low point feedback, I received a call from Ally the same day. I will attaching printouts to show how deceiving Ally is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. XXXX recommended to submit complaint to CFPB to get resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91792
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A