Date Received: 2021-07-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally bank restricted my emails in XXXX pay out of no reason. I have tried to contact them to know the reason and get this resolved. They are just impossible to work with. It took them days and still not know where the problem is. Worst bank ever. Their customer support is basically useless, kept transferring me here and there. I can't not even remove my email on their website. Now my emails are completely blocked by XXXX pay. Email is my personal property. I don't think it's legal for Ally Bank restricts and holds my emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle loan is currently paid in full. I have emailed ALLY twice so far ( XX/XX/XXXX and XX/XX/XXXX ) and have received no response. I have called them on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and twice on XX/XX/XXXX. On the last call, ALLY claimed they had not received an odometer statement from the dealership. That was found be be a lie and the dealership emailed another copy of the document, yet again. I have filed a XXXX complaint to get this fixed, and Ally financial responded to the XXXX with " Due to privacy concerns, we are unable to provide you with any additional details in this matter. We thank you for taking the time and effort to bring this issue to our attention. If we can be of further assistance, please contact us at XXXX. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I was scammed by dealership called XXXX XXXX in XXXX New York I am on XXXX XXXX they trying to finance a car I could never ever afford in my life they have the car and still trying to fraudulent push through loan anyway and trying put me in XXXX dollars in debt I could never ever pay I spoke to my bank reported the fraud and spoke to other lenders that were contacted trying push through the loan I also suffer from XXXX illness and had a complete XXXX breakdown and dont feel safe with this dealership again they said they canceled loan contact the bank I have no paperwork no anything no receipts absolutely nothing so i also dont know what fraud they done on the loan application it self any bank could see I could never financial afford that I barely can buy food to eat I contact ally bank many times right away reported fraud and they promised they would cancel loan contract from being processed so I wan na put in formal writing I been having XXXX breakdown on XXXX and dealership is defrauding by trying to push loan through that suppose be canceled they have their car I have nothing and I can not let this ruin my entire life I spoken with ally many times and have reference number where lady said its going to be canceled they wont fund it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, they do not belong to me and are hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft ALLY Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. . Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by someone who claimed that he was purchasing the furniture I was selling on XXXX. On XX/XX/XXXX, He send me a cashier 's check of {$1900.00} which was way more than he should pay me and told me that he was in New York and he needed my assistance to pay the deliver service, that's why he mailed me a check with the amount more than the cost for the furniture. He asked me to pay the deliver service via XXXX with two different transactions ( {$1000.00} and {$670.00} ). I deposited the cashier 's check and it showed a credit of {$1900.00} on my bank account so I made the XXXX payment for a total of {$1600.00}. Right afterwards, I called my local police department about the big check and I was told it is a scam. So I called my bank right away and asked to stop the payments. On They said that they can not stop it and asked me to file a dispute later. On XX/XX/XXXX, the cashier 's check of {$1900.00} was returned. I sent a disputes later in XXXX. However, Ally closed the disputes on XX/XX/XXXX saying that the transaction was completed with a merchant with whom " I had established a relationship ''. But this was not true. I was lied to by the scammer to send the money to the deliver service with the email address and the person whom I had not contacted with or verify. Such " deliver service '' never existed. And after I sent the payments on XXXX, the scammer disappeared. When I tried to request the money back from the email address, it says it is not existing anymore. I had requested them to invested it again and on XX/XX/XXXX, they sent me the exact same reason why they would not get my money back. The transactions were sent to person named " XXXX XXXX '' with email XXXX, which I was told by the scammer. I contacted XXXX for the receiving bank information. The receiving bank is XXXX XXXX XXXX, and they also told me the transaction numbers for the two payments. One is XXXX ( {$670.00}, XXXX confirmation number ), the second one is XXXX ( {$1000.00}, XXXX ). The police report with XXXX County Police Department of Maryland is XXXX, with the police officer badge # XXXX, their phone is XXXX. His handwritten last name is unclear to me. The communication with the scammer was in text messages but they were lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
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: Account XXXX. Hi, I have fully paid off my lease as of XX/XX/23. I have been unable to get my title from Ally. They keep promising I will receive it on a certain date but never do. Then they promise it went out XXXX but again never receive it. I sent them {$50000.00} and now I have a car that I still don't own, don't need and can't do anything with yet continue to pay for insurance. I have contacted them over 25 times with no luck. All I want is my Title for the vehicle I own. Seems reasonable. Thank you very much XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX I applied for a medical loan from HCS Corp ( www.hcsloans.com ) on behalf of my youngest brother. The current balance on the loan is {$1600.00}. The HCS website states that they have been acquired by Ally Lending. We have been consistently paying the required minimum payment ( {$170.00} ), on time, for the last several years and have not had any missed payments for years. Recently, however, there was an issue with the auto-payment method. As a result, the last payment recorded was on XX/XX/XXXX. However, we were not contacted by phone or email to alert us that there was any pending problem with the status of the account. When I went through the monthly statement yesterday, it showed a past due balance of {$680.00}. The statement also said that I have until XX/XX/XXXX to make a payment in that amount, plus the regular payment of {$170.00} ( for a total of {$850.00} ) to bring my account current. I immediately proceeded to attempt logging into the website to make the payment necessary to bring it back to current status, per the current statement, but my login credentials are coming back as invalid. I attempted to reset the password but never received anything in my email for login assistance. I then attempted to contact HCS Corp / Ally Lending directly by phone. I spoke to the customer service agent about getting help accessing their online payment portal. They said they were transferring me to another department that could help me. Much to my surprise, I had instead been transferred to a collection agency who calls themselves XXXX XXXX. The representative at XXXX XXXX declared to me that they were a credit collection agency attempting to collect on a debt. I was shocked and asked for details. The gentleman named XXXX went over the loan details as follows : The original loan was for $ XXXX and was taken out XX/XX/XXXX. The last payment received from us was XX/XX/XXXX. The account was placed into collection status on XX/XX/XXXX XXXX 17 days ago ). Even though I didnt agree with how my account was being handled, I wanted to remedy it so we could become current on the loan, and as such, ( having forgotten the fact that the letter states that I have two days to resolve it directly with the original lender - HCS/Ally ), I spoke with a representative named XXXX. We negotiated the option to settle the entire debt for {$1000.00}. XXXX said he would ask for approval on the settlement. At this point, the call terminated abruptly. I called back ( HCS/Ally lending ) immediately, using the same number, having also realized that I still needed to address the potential effects on my credit report. I was once again transferred to the same credit collections agency, who again referred to themselves as XXXX XXXX ( though they said they are in the process of merging with an agency named XXXX XXXX, and spoke to a wonderful gentleman named XXXX who stated that he is a supervisor there. After pleading my case, once again, to XXXX about the potential negative effects on my credit report ; he said that the account wasnt actually part of their portfolio, that their system shows the account is legally still owned by HCS Credit Services and that they are just a third party collections agency hired to help collect the debt on behalf of HCS, but they ( XXXX XXXX ), dont actually have the authority to report to the credit reporting agencies. However, he stated that HCS does have such authority, so he suggested making the payment to his agency and then contacting HCS Credit Services directly about negotiating what would be reported to my credit report. I was stunned that he was asking for payment and telling me that I would STILL have to negotiate with the original party! The conversation went as follows : Activate Financial REP : They are the current creditors on your account. Once the settlement has been satisfied ; we would send that information to them and they will be the ones that report it to the credit bureau or credit reporting agencies. One that payment has been made ; well be sending you a settled in full letter, 30-45 calendar days after the payment has been made. My recommendation would be for you to contact them once you have that receipt so they can come into an agreement with you. I dont know if they have the option to delete ME : Wait, so you guys dont have the ability to, you dont report to my credit score, only they do? XXXX XXXX REP : Yes that is correct ME : Oh, so if I pay you guys off, it might not even show up as paid off on my credit score? XXXX XXXX REP : Well, It is a possibility. The ones that actually would report would be them. For instance on our accounts they are only reported as charged off XXXX balance thats the only way we report them, it's not even reported as paid in full settlement so it would depend on HCS reporting. So, basically, I am being told that my account is past due and has been sent to collections, but the information that I am receiving is conflicting with the statement I received and the companies involved are also in conflict in what they are saying to me. Additionally, I have not received any correspondence about the collection, nor have I been given the information on how to dispute the debt. I would like to resolve this immediately, prior to taking any possible legal action as my next step, and have been attempting to do so. Side notes : the HCS website says HCS is becoming Ally Lending at the top, yet says XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX at the bottom. Also, the representative at Ally Lending says they do not work with any agency called XXXX XXXX even though I was directly transferred to XXXX by the HCS representative twice. Ally Lending says the only collection agencies they work with are either XXXX XXXX or XXXX XXXX. XXXX XXXX says in their phone intro : Thank you for calling XXXX XXXX. Recently XXXX XXXX XXXX parent company acquired XXXX XXXX XXXX XXXX which is the same company name listed at the bottom of HCSs website as mentioned above. Thank you for your prompt consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account with ally was under dispute to remove some late payment from my credit report. This was closed on XX/XX/XXXX. When they closed this dispute they reported my XXXX payment was 30 days past due when it isnt in fact due until XX/XX/XXXX. I reached out to the company and they said they would put in for a correction as it was a mistake on their part. It dropped my credit score 37 points and I expressed this to them and the urgency in which I needed this fixed and how I didnt want to dispute it just correct it as it was their mistake. 16 days later and they still havent fixed it, and say they are having to verify the information. Ally can see my account and when my payments with them are due. They know its a mistake on their end and should be corrected by now. I reached out yesterday and asked for it to be corrected again as its reporting to the credit bureaus and hurting my credit and they said they will fix it as soon as they can
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95215
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent account. Opened without my knowledge, consent or authority. Please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A