Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX we re-financed our auto loan from Ally to our credit union. Credit union sent a cashiers check in the amount designated as 10 day pay off. I received a letter dated XX/XX/XXXX from Ally on or about XX/XX/XXXX stating that there was a balance still. I called there customer service on XX/XX/XXXX and was advised with reference # XXXX that remaining balance was being waived, to follow up in about 1 week. Received another letter dated XX/XX/XXXX on XX/XX/XXXX, and again I called Ally customer service, representative XXXX stated to dis regard this letter and confirmed that said balance was being waived, she then gave me a new reference # XXXX. Called Ally customer service in XX/XX/XXXX to follow up on previous calls, was given same reference # ( XXXX ) as the XX/XX/XXXX. Again representative stated remaining balance was waived. XX/XX/XXXX follow up call to Ally customer service was told that remaining balance was waived and given new reference # XXXX. XX/XX/XXXX follow up call to Ally Consumer Solutions dept, representative XXXX ( id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. In late XX/XX/XXXX Ally finally sent release of lien letter to our credit union. Somewhere between XX/XX/XXXX and XX/XX/XXXX Ally had reported to Credit bureaus that we had late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX that show as 30 day late then 60 day late then 90 day late then 120 day late. Now here in XX/XX/XXXX after we applied for new lease with Ally and was denied. I called and spoke to Ally customer service, representative XXXX stated that remaining balance was waived in XX/XX/XXXX and gave me case # XXXX. XX/XX/XXXX Ally customer service representative XXXX stated that balance was waived and letter was being sent to credit bureaus stating that late payments submitted by Ally were in Error, as well I was sent said letter but the letter isnt what XXXX stated, it still says those 4 late pays are there. XX/XX/XXXX Ally customer service representative XXXX XXXX Id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. She also stated that she doesnt know why it took til XX/XX/XXXX to be put in system. I have documents from both Ally and my credit union along with all the info I listed here that shows Ally is in Error by reporting our account as late to credit bureaus that is listed above ( XXXX, XXXX, XXXX, XX/XX/XXXX. My wife and I have spent many hours over the past year trying to get Ally to remove the Derogatory marks from our credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have reached out to XXXX XXXX on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both XXXX XXXX and Ally financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts! The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to XXXX XXXX many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 2 ) in acco rdance with the written instructions of the consumer to whom it relates. I NEVER Gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINCL Account XXXX : 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: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Here 're an essential timeline of events ( with paper trail evidence if needed ) of what happened with myself and Ally XXXX XXXX/XXXX XXXX up to an initial closing date of XX/XX/XXXX. XXXX, XX/XX/2021 : My loan officer ( XXXX XXXX ), does not show up for a scheduled appointment to review my final loan estimate prior to delivering the initial closing disclosures. I attempt to call her direct line at XXXX, no answer. XXXX, XX/XX/2021 : I call her again. Still no answer. This time I allow the operator to route me to the customer experience team, who then tells me they've reached XXXX and she would get back to me today. XXXX, XX/XX/2021 : XXXX calls me. At this time, I receive and acknowledge all line items in my latest loan estimate with XXXX at Ally XXXX XXXX/XXXX, including a {$390.00} origination fee. This loan estimate is shared with me via PDF over email at this time. I am also informed that I would receive XXXX, XX/XX/2021 : I received my initial closing disclosures, with an origination fee that increased 5x from the loan estimate agreed upon just 4 hours prior - {$390.00} to {$1700.00}. This is well past business day. XXXX, XX/XX/2021 : I emailed XXXX to clarify the origination fee increase. XXXX, XX/XX/2021 : I began a 7+ hour journey to attempt to reach XXXX. I was only ever able to speak to customer experience/support, or my closing expert, XXXX XXXX, who has no power to actually resolve the matter. Around XXXX, XX/XX/2021 : I was informed by a member of the customer experience team at Ally that we will not be able to close on XX/XX/XXXX, because the ICD was not signed on XX/XX/XXXX. The same ICD I received at XXXX. Presently, XXXX, XX/XX/2021 : I am forced to sign the ICD to not delay closing any further than the extra day it's already been delayed to. It is clear to me ( and hopefully the CFPB as well ) from this chain of events that I have been forced by Ally into accepting an ICD that I do not approve of by misappropriating the 3-day TRID rule and pushing closing out. While pushing the closing date is a possible solution, the cost it incurs to Ally to push the closing date is insignificant compared to the cost to the consumer. Based on my interactions with Ally, it is apparent to me that the loan team has explicitly designed this experience to fail for the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been trying to get a payment plan Ive been impacted due to the covid 19 and having financial hardship ally has not been in compliance with the CARE ACTS on XX/XX/XXXX I was able to put two month a behind only if I paid XXXX by XX/XX/2021 and than other XXXX by XX/XX/2021 which isnt really any help Im in need of a payment they also report to the credit bureau late payments three times and XXXX lowered my credit score Im trying to get back on track but its causing a distress on me. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom it May Concern, Ally Financial is displayed on my credit reports as an inquiry. ( a ) I did not apply for any loan with ally financial ( b ) I never inquired about any services with ally financial and it is likely someone else used my information in an attempt to apply for this loan. ( c ) This is not me that applied for this loan. Delete from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On Monday XX/XX/XXXX ALLY FINANCIAL contracted with an unauthorized third party agent to come on my family private property and steal my vehicle! This unauthorized third party was not a witness or party to the contract agreement. This is an infringement on my rights to privacy! How did this third party agent get my address? Who gave them permission to come? Where did they get my location? According to the Rights to Privacy Act..The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. None of these exceptions apply to my situation. Pursuant to 15 usc 1692c ( b ) Communication with third parties.. Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have asked ALLY FINANCIAL on numerous occasions for months for the original contract between us, they have not sent it. Ive asked for debt statements, they have not sent it! Ive have been threatened to be sued which is against the FDCPA. My fianc, who is not a co owner to the vehicle has been threatened to be sued which is against FDCPA. ALLY has harassed my family friends, my fiancs family, my fianc, and me with unauthorized calls, texts, voicemails. They called at inconvenient times and cause grave stress on all of us! My fianc is XXXX and had to witness this theft and was put under even more stress which caused me to be annoyed and stressed and also is harmful to the XXXX! ALLY do not possess the ORIGINAL wet ink signature contract and only possesses copies if that, which is considered counterfeit and is against the law. ALLY never had possession of MY XXXX XXXX to repossess it. To repossess something is to have had possession of it in the first place. I dont owe ALLY financial any debt! On top of my rights to privacy being violated, a lot other consumer laws have been violated in the process. The laws that have been violated by ALLY are : 15 usc 1692J, 15 usc 1692c ( b ), 15 usc 1692d, and 15 usc 1605. According to 15 usc 1692k Civil liability Im entitled to compensation for these damages up to XXXX per violation. According to 15 usc 1605a the determination of finance charger finance charge is the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable in comparable cash. This contract was a credit transaction not a cash transaction but I have made payments comparable in cash and put a down payment down which is a violation under this subchapter. Pursuant to 15 usc 1611 Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which is required to disclose shall be fined not more than XXXX dollars or imprisoned not more than 1 year or both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I turned in my lease early. I made my final payment XX/XX/2021. I neglected to turn off auto pay and XXXX payment was taken out. I called and chatted with Ally multiple times and they kept saying it would be 30-45 days before I saw the payment returned. XX/XX/2021 the dealership paid off the loan. When contacted again, they continued to say they were waiting for paperwork from the dealership. On XXXX I received in the mail a bill for ; Disposition fee XXXX sale/use tax on disposition fee XXXX Less - other funds received XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total XXXX They are saying that the funds from the dealership were " removed '' or something so the next payment from them was late and I have to pay another monthly payment! So in essence, I'm going to make TWO extra payments on a truck I turned in XXXX?! I called again XXXX and XXXX told me what he could " see '' and he couldn't do anything about it. I asked to speak to a supervisor and he said no one could help me. I have no issue paying the {$100.00} for the balance of the disposition fee and the tax, but I can't understand how the rest is even relevant. Thank you for any help resolving this issue. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A