Date Received: 2021-07-20
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I went to finance a vehicle with 112 certified I was told I would get something in my price range of around XXXX I do have XXXX XXXX and did not comprehend the contract from what I understood to be payment of XXXX came out to be XXXX and I spoke with them right away and was told they would stop loan process so they have possession of the car I dont and they knew I could not afford the vehicle after stating they would cancel with the bank now they are trying to push a loan anyway they I could never afford and are trying to scam me I seriously need help they gave me no paper work no receipts or anything and trying force me into paying for used vehicle for almost {$30000.00} I have mortgage for XXXX and only make XXXX a month please I need all the help I can get
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: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently placed a complaint on these guys for making me wait for my refund. An executive named XXXX emailed me like he was going to contact me in one or two business days, now its been a whole week. Another payment is approaching and I still havent received my refund. My bank filed a complaint on them as well because when on three way with them, no one could find a check number for the refund that they supposedly sent out. Now, theyve sent the refund to their own personal third party check free business to hold the check as long as they possibly could. This is a complete failure and I need these people to be prosecuted. This so called executive seems like us where these bad managed employees got their training from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial is refusing to apply my principal payments to the principal of the loan and the loan never reduces after payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. Please see my attached later. I am seeking damages for my consumer rights violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I consumer XXXX entered into a consumer credit transaction in XX/XX/XXXX while extending my credit to ALLY FINANCIAL pursuant to 15 usc 1602 ( g ), the original creditor. This consumer credit transaction involved a finance charge in which is the SUM of all charges pursuant to 15 USC 1605 ( a ), in which this transaction doesn't require any monthly payments because the debt was already paid for. ALLY FINANCIAL continues to use abusive tactics in calling my phone several time and sending communication via mail using prohibited offensive language. This is a violation of my consumer rights under 15 USC 1692d ( 2 ). As the natural person and consumer, 18 USC 8 is obligated to pay on my behalf. I was not informed of my right to rescission by ALLY FINANCIAL with full disclosure pursuant to 15 USC 1635. ALLY FINANCIAL ignored my cease and desist sent out on XX/XX/XXXX and stated that federal law and my federal rights doesn't apply to them. I'm being harassed all the time by this company for a debt not owed. ALLY FINANCIAL has caused me financial harm and has ruined my reputation.
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: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally Financial Used my Extension of open ended consumer credit to Illegal formulate an Fraudulent loan in which, they used misleading sales tactics to Seem as if they were the original creditor to the account, In fact, I the consumer, the natural person who signed off on this consumer credit transaction, am the original creditor and I had been false billed for a debt in which had never been validated. Every Installment payment was fraudulent and Ally used terms such as " Late Payment '' on my consumer report. Congress does not define this term.This derogatory term Ally had reported on my consumer report made other companies refuse my extension of open ended credit,, this was very discriminatory an unfair practice. Ally Financial also illegally repossessed my car because of fraudulent charges and fraudulent " late payments. They continued to Bill me during every Dispute as well. 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 15 U.S. Code 1692h. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
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 lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end. In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment. Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used.. Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them. I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A