Date Received: 2021-09-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I frequently get calls from a place called XXXX XXXX with different phone numbers. Today this XXXX person claimed to be calling on behalf of one of my creditors. I told him clearly that I would not be speaking with him at all, but he ignored me and continued to try to confirm my personal information before I hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27278
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My son and I had a joint loan financed through Ally Financial Acct # XXXX for a XXXX XXXX XXXX. My son was involved in an accident in XXXX of XXXX. We informed Ally Financial and stated that the insurance would pay and settle the account so Ally provided an extension, ( see Attached letter ). Based on the next letter, My son 's insurance paid for most of the balance, and we received a letter on XX/XX/XXXX stating that clam settlement did not pay the entire amount. ( see attached letter ). We called our gap insurance company who stated that they paid the balance of the insurance that was not paid. We spoke with Ally insurance and told them it was paid, after further back and forth conversation Ally said they would look into it. We then received a letter from Ally indicating that they received the funds and it was misapplied and apologized for the error. On XX/XX/XXXX, we have been harass by Ally indicting that our account has not been paid, In addition Ally, has now reported it to the credit bureau a negative account and our credit scores dropped significantly by 30 points. I am furious about that as I am unable to obtain new credit. I want my credit score reversed back and I want to be compensated due to the stress it has caused me. I worked hard to get my scores up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The loan was paid off in XX/XX/2021. I am in the process of approval for a mortgage and Ally submitted a " 30-day Late '' to the bureaus in XX/XX/2021 that the XX/XX/2021 payment was received late. As a result my scores decreased by more than 50 points and I am in danger of the loan not going through. I have contacted Ally MULTIPLE times and each agent has verified that my XX/XX/2021 payment was NOT more than 30 days late. It was verified today that my normal due date was the XXXX of each month and my XX/XX/2021 payment was received and processed on XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Stop the harassment as expressed in 1 ) repeated collection attempts and 2 ) a refusal to delete the mention of 'Ally ' from my credit reports ( all credit reporting agencies ). I am a veteran who has been trying to buy a house for my wife and family for years. In XXXX or XXXX of XXXX, auto lender Ally Financial surprised me in saying that they expected $ hundreds more per month than the amount I agreed to pay. My wife ( with me at dealership XXXX XXXX in XXXX, PA, during negotiation ) and I told Ally that I had agreed to ~ {$480.00}. The Ally representative said she would look into it. Ally reported to us that there was no contract error ; they also said they would continue looking into the matter. My guess is that the dealer sent an incorrectly created, unsigned contract form to Ally Financial XXXX. Under duress that the car would be repossessed, we struggled to pay amounts Ally representatives insisted we owed. Our XXXX XXXX XXXX was repossessed ( stolen ) by Ally Financial XXXX XXXX XXXX XXXX XXXX. Subsequently, my credit reputation was severely damaged. From a combination of paying the much higher monthly payments and the damaged credit ratings on all three credit reporting agencies, our family moved to a small apartment. We have been trying to buy a home for years. No lender would talk to us. A collector, Law office of XXXX XXXX XXXX, filed suit in XXXX XXXX courthouse. The judge closed the case because there was no proof that I agreed to the " contract '' that the collector presented. Additionally, the judge stated that the collector was barred from further attempts to collect. Ally continues to try to collect. My credit reports are still severely marred. Ally shows neither care, responsibility, nor fear in their continued harm and affect on our lives and finances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
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 paid off my car. The bill of sale and odometer disclosure was signed. Now Im having a problem with Ally bank mailing me my title. I called them and was told the whole process takes 2 weeks for me to get the title. They received my cashier 's check on XX/XX/XXXX. Two weeks have now passed and still no title. I have called them and they cant provide a tracking number because the title hasn't been mailed. It is written on their site that the title will be mailed to me approximately 4 days after my check is cashed, which has already happened fourfold. Also, it is written on their website that they have a title tracker so that I can track my title progress. That is also not true, there is no title tracker. I just want to get my title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/XXXX my name is XXXX I purchase a XXXX on XXXX from Ally financial I have been paying on the van for over 4 years I have paid about {$17000.00} for the van already the van when I first bought it the value of the purchase price was {$19000.00} at this moment in time Ally financial is telling me that I owe them over {$19000.00} this is impossible because I already paid them over {$17000.00} I tried very hard to communicate with them and the representative of Ally but they refuse to give me statements or help me in answering my question about the amount of money they said that I owe them that I feel is not true I'm trying really hard to pay off the van and not get a repossessed but they are not helping me at all they told me at one time six months ago to get on a deferred payment plan because of the virus. They're not willing to help me at all in no kind of way or there's no one that I can speak to they put me on hold for hours at a time and never answer my questions I need some help. My cell phone XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally financial- inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A