Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report. XXXX XXXX Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I scheduled a billpay back in XXXX for XX/XX/XXXX remittance from my Ally Bank Checking account for the amount {$1700.00} to be sent to my mortgage company XXXX XXXX. I am now told that on XX/XX/XXXX Bill Pay system attempted to make payment electronically but was denied as I was not in XXXX XXXX 's system yet ( loan account undergoing service transfer ) and they couldn't recognize my account number so the funds were returned. Ally Bank Bill Pay has held the funds now and refusing to return it to me. I am now at a loss of {$1700.00}. I filed dispute with Ally Bank to reclaim my funds and they refuse to resolve my dispute or return my funds. I need my money back in my checking account so I can complete my Mortgage payment before XX/XX/XXXX when my payment is due. Ally Bank is totally irresponsible and unreasonable to allow billpay to hold my funds in limbo and not sending to merchant or returning funds back to me. This is totally irresponsible and unethical practice ( probably illegal too ) by Bill Pay enjoying interest by holding my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Attenpting to open a savings account with Ally Bank. After having my application accepted, the login setup does not work due to " system '' error. It boggles my mind that an online bank has such issues when traditional brick and mortar banks do just fine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My names is XXXX XXXX I had Brought a vehicle from XXXX XXXX in XXXX Florida in the year of XXXX and nobody had told me that the automobile was impounded two days in XXXX before, I even purchased it and it has all kind of issue two days after I brought it and I brought it to their attention they told me that they had no record of the vehicle and they will not fix the issue on the car. they told me " a oil change is the best they can do for me '' keep in mind that they're charge me for a three years warranty on it. so I had to voluntarily serenader the car to the bank which is ( ALLY financial ) .They pick up the vehicle on XX/XX/XXXX and sold it and packet the money and now I'm stock with a {$15000.00} Dollars loan on my names with no vehicle and a child to taken care of.Those people are scammer and someone need to check the out. they need to stop stealing from young people that they're assume are lack of knowledge .I request them to keep my great payment history and report the balance to XXXX please because the AMERICAN people are tired of being scam.I also request all unauthorized inquiries to remove on my credit report as well.Uder THE FAIR CREDIT REPORT ACT I have the right to have outdated information remove any information with out my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: To Whom It May Concern : I am writing this complaint mainly against Ally Bank although XXXX XXXX XXXX is also implemented in this complaint. Its a little complex so I wasnt 100 % sure which box to check in the preface of the on-line form. On approximately XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My problems started when I was pressured into buying and extended warranty. Later the paper work was given to me to sign. When I looked at it I saw the figures were a little off. I was told that the extended warranty was {$3000.00} but in the paperwork when I questioned it showed {$4000.00}. I had already agreed on the monthly payments so after a few minutes of back forth and the Financial person telling me that this would cover the whole car I agreed, besides I really needed a car and I believed that this was a reputable car dealer. All of this was done through the bank of their choosing, Ally. The very next day while driving the car in the daylight I noticed it had a lot of very small chips in the front windshield. I complained to the dealership and drove the car back out for them to see it. I also complained to an on-line website that was affiliated with them that publicly published such complaints and the results. XXXX XXXX XXXX promised to replace the windshield and said that they would call me with a date. Meanwhile, I was sent an e-mail from this on line company asking was my problem resolved I said yes, believing that it would be. The following week I was called to come to the dealership. I met a guy from a glass company provided by them. He looked at the front windshield and said that there were too many chips and that the windshield would have to be replaced, he thought he was coming to fix a small crack or a bigger single chip. I asked him would he come in and explain that to the manager. He did and they promised me, the assistant manager and elderly blonde, that the manager would call me back with an answer. There would be approximately four ( 4 ) calls from me after leading me on, before they made it clear that they wouldnt pay for it. I was suppose to come back the following week for my tags. At that time I complained that the car had a little rattle when I would suddenly accelerate to pass. I asked if it may be low on oil. They took it downstairs below and checked it. They said it was OK and that they added a little oil. It seemed to help. I just babied it when I wanted to pass someone. Again, I had to come back because from the beginning there never was a tag mount for the front of the car and the holes for the bag tag didnt line up. They forced some screws in the back of the back tag mount and never mounted the front mount. They told me it would fit. A local mechanic finally told me that the car was designed for XXXX plates. I had to pay someone to drill new holes for the front plate. The mount was useless. The back plate moved around and was loose because the screws didnt go all the way in. About 3500 miles later the rattle came back even though I would baby it on the highway. One day on the wat back from XXXX, Va. The rattle got louder. I stopped the car and had it towed back to my home in XXXX XXXX, Md. The next day I made an apt . to a shop close to my home the mechanic there told me that whomever had the car before me apparently raced it. He said if you have a warranty get it fixed and get rid of it. I took it to XXXX XXXX XXXX MD. They used the warranty to fix it. They said that They replaced it with a used engine. I still felt shakiness in the motor and it still had a small rattle sound so I was unsure if the motor was replaced. I barely drove it after that. Within weeks maybe two months along with the light rattle and shakiness the car started to over heat while I was being pickup at a treatment center in Pa. Again, I had the car towed from XXXX XXXX Pa. to XXXX XXXX XXXX in Md. A little over {$200.00} this time even with my gold XXXX membership. The car was definitely a LEMON. In XXXX of XXXX I had gotten behind in my payments. I called them and tried to make pay arrangements. I spoke with a woman. She said she would call me back. I never heard from her until mid XXXX, a month later. In our conversation I again explained my situation and told her I was in training for a different job and wanted to know what kind of arrangements could be made. She asked me surprisingly, if the car was still in my possession. I said yes, why she led me to believe that they were going to repossess the car or had already tried. At that point I told her to come and get it that I was still in training and would probably be a couple of months before I could restart payments. She didnt want to hear of it, She wanted all of the arrear amount at once. She said OK. I left the car on the street no one ever came to get it. The next month when I finished my training COVID hit. I was notified from Homeland security that we would be put on hold until further notice because of the pandemic. Two to three days later I called Ally and spoke with a man this time he said it didnt matter if I talked to the same person he could help me. I told him, Come and get the car my job is on hold and I cant pay for it. He promised that he would take care of it. I never heard back from him or anyone. In late XXXX I was diagnosed with throat XXXX that has until now left me XXXX XXXX. In XXXX I started treatment Which took me up until Early XX/XX/XXXX. I had my niece called ALLY and again come and get the car because of my condition. She told them that the car was at XXXX XXXX XXXX. They said they would come and get it. Never did and never called. In XXXX I had a neighbor call them again, again same results. They said they would never did. Finally, a lawyer from XXXX XXXX XXXX called me to see if I would sign it away so he could sell it for parts. I told him to call back Ally and see what they say. If I remember correctly he had called and they still wouldnt come that is why he called me. XXXX in XX/XX/XXXX I struggle with what little voice that I had then to ask when were they coming to pick up the car. I told him that it this was the 4th or 5th time I have called you all and no one ever calls back or go pick up the car. He put me on hold and came back and said I see you have never been served any papers and I do see where your niece XXXX XXXX called in XXXX for us to pick up the car. I then said so you have been taking notes and documenting everything. He said he would take care of it right away. He said that he would email me a document or mail it. It was a voluntary surrender form but that they will come and get the car. This time I ask the guy what was his name. He spoke with what seemed to be a XXXX XXXX accent, he said his name was XXXX and spelled it that way. And As usual I never heard from XXXX or Ally again. One of my biggest problem with this is I believe I was sold a LEMON. I believe that something was incorrect with the car and the whole sale. From XX/XX/XXXX until XX/XX/XXXX I have received no phone calls. No car pickup, No missed calls, no written correspondence, not a peep unless I was calling them. On approximately XXXX XXXXof XXXX XXXX I received a packet from the court with a court date of XX/XX/XXXX. The packet contained documents of the transaction and some statements that are questionable. On XX/XX/XXXX I received another letter from the court saying that that case was cancelled. A week later I received two other letters that said that the case was dismissed pursuant to Maryland Rule 3-506. By order of : HON. XXXX XXXX XXXX. Then right after a letter telling me that its a charge-off loss and that it has been referred off to their asset recovery Center. I am not calling them again. It has already been 5 or 6 time with never a response. All of this time that they never wanted to pick up the car or initially make payment arrangements, they constantly reported late payments to the credit bureau ruining my credit. They never tried to remedy the issue rather ruin my life. This so wrong and I feel they are obligated to fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have been oppressed by this company and humiliated for far too long. I have found this company violating my rights as a consumer. On many occasions I have been harassed by phone, They are falsely representing a debt that has already been paid for when my credit was extended. I request my payment of {$19000.00} be redirected to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''. As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Yes I called ally bank about getting exstention on car loan. They approved me no problem. I'm on XXXX ssdi going thru hardship due too bills and health issues. So the guy told me I need too upfront before XXXX XXXX. I just for XXXX sent in XXXX regular car payment. He told me the XXXX what they charge for exstention. I told the guy this is nuts. For people struggling they should not do a charge like that. That's lol more than my car payment. And he said it's extension for 2months??? How's that. If I pay XXXX for XXXX. He said my due payment is XX/XX/XXXX??? Makes no sense that's not 2months exstention. Should be next payment XX/XX/XXXX. Not XX/XX/XXXX. In future will go different finance place. I also told him too gave finance get back too me. See if can put money back of contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX and XXXX and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I consumer XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL IN 2015. I'm not obligated to pay any debt under the provisions of 15 usc 1692 the Fair Debt Collection Practices Act. This debt is fraud, and false and misleading and is already paid for. I sent a cease and desist twice to ALLY FINANCIAL to stop contacting me on all mediums. ALLY FINANCIAL has violated my federally protected consumer rights. They are harassing me, oppressing me, using obscene and profane language. ALLY FINANCIAL is committing fraud and attempting to commit theft. They are threatening to take legal actions that can not be taken. The Fair Debt Collection Practices Act governs debt collectors. They cant continue to violate me. I do not owe this alleged debt that is false and misleading and in a positive balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A