Date Received: 2021-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I disputed my 30days past due. I was having a financial hardship at the time. Request to remove of my credit report. Moving forward Ive never been late with my car payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: On XX/XX/XXXX I went into XXXX XXXX to sign loan paperwork to pay off my Ally lease as the lease was coming to a conclusion and I intended to keep the truck. On XX/XX/XXXX a payment posted to my Ally account for {$25000.00}, which I expect to be payment in full. On around XX/XX/XXXX, I looked at my Ally account and to my surprise it shows a past due balance or {$410.00} and an outstanding balance of {$820.00}. I contacted Ally, they told me that I needed to contact the dealer. I contacted the dealer and they told me the {$25000.00} was payment in full. I'm concerned that if this is not resolved before the end of XXXX that Ally will post a late payment on my credit report. I'm also concerned about paying them and then attempting to get back the money that they would owe me.
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ally financial not only allowed my sister to illegally obtain a auto loan in my name to a relative, But they are now illegally re- aging the charged off account on my three credit bureau's.This is a complete blatantly violation of the fcra.This is when a company changes the dates on an account to penalize someone. In my case they showed this account was closed on XX/XX/XXXX which dropped my score 50 points..This account was charged off in XXXX of XXXXYet it was supposedly just closed.But have credit reports of it showing closed.This is an illegal tactic. This is a very dishonest company.I have provided my attorney the proof of what they have done as well as sent it to their local attorney General.Its one thing to dispute who got an auto loan, but I'm even more appalled by this tactic. it was told to me by an attorney. XXXX XXXX XXXX.dob XXXX ss # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 820XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My name is XXXX XXXX XXXX XXXX. Ally financial repossessed our XXXX XXXX XXXX without any notice at all. On XX/XX/XXXX I tried to make a monthly payment for XX/XX/XXXX with an Ally rep over the phone. I was told I couldn't because the bankrupt still shows to be active. I was told that was 116 days past due. I said it had to be a mistake because I have been paying every month more than the payment amount. I notified XXXX XXXX of XXXX XXXX XXXX that was handling our chapter XXXX filing.asap XXXX XXXX and stated that I had been paying Ally and this 116 days without a payment must be a mistake. Mr. XXXX said he was notifying the attorney XXXX XXXX of the situation. We hadn't heard anything from Ally Financial nor XXXX XXXX XXXX XXXX. Then in the morning of XX/XX/XXXX I noticed the XXXX XXXX wasn't in front of the house. Me and my wife XXXX XXXX called the XXXX Texas Police to report it stolen, and was told it was repossed! We immediately called Mr. XXXX XXXX of XXXX XXXX XXXX. I hadn't heard from him after several attempts at all that Saturday. Monday I notified Mr. XXXX and heard complaints of blowing up XXXX 's phone and he would look into it. I expressed that the Law Firm was notified weeks ago about Ally rep stating we were 116 days behind. If the Law Firm would have done their job and called Ally at all we wouldn't have gotten a repossession causing financial hardship and truma we suffered. I couldn't believe Mr. XXXX actually stated XXXX of Ally works with the XXXX XXXX XXXX and I hadn't made a payment since a partial payment sinceXX/XX/XXXX ( I sent it to the bankrupsy trustee and he allocated funds as I was instructed to do and the trustee paid whatever to Ally. I stated that wasn't true but, he said as he done the math it adds up! See the letter as to reason Ally repossessed the car that I hadn't made a payment for XXXX, XXXX, nor XX/XX/XXXX at all. I had to do a title loan and paying {$690.00} fees monthly to borrow {$4500.00} and {$690.00} fees only to get our car back. Why didn't the Law Firm make a simple call? Why didn't Ally notify us at all when we thought everything was ok because we hadn't heard anything? Why did they lie about no payments? See pay history I made XXXX, XXXX, and XX/XX/XXXX payments!! See the reason all this could have been AVOIDED WITH A SIMPLE PHONE CALL FROM XXXX XXXX XXXX XXXX. If we was aware that we could have saved a repossession, fees, and a trip to the hospital with XXXX XXXX from this truma. We just lost a XXXX year old daughter and these stressors of this worst time of our lives could have been avoided! But these heartless uncaring people just said go get our belongs out of the car " XXXX XXXX XXXX of XXXX XXXX XXXX. They need to take some responsibility for their non action since notified, called me a liar stating I didn't make XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX payments for reason of justifying the truma 's and repossession as a suitable Law Firm would have quickly acted XX/XX/XXXX knowing 116 days without a payment on anything would result in loss of possession of anything, car, house ect.XXXX It was negligence and someone besides the consumer needs to take responsibility. Ally Financial could step on the consumer with deception of lies stating to an Attorney, an Officer of the Courts that we didn't make XXXX, XXXX nor XXXX payments as reason for their actions. Ally needs to take responsibility to the consumer as well. Then Consumer Financial Protection Bureau needs to look at COMPLAINT ID XXXX THAT WAS CLOSED A LITTLE FURTHER BECUSE THE CONSUMER WAS'T PROTECTED AT ALL!! IF CORPORATE AMERICA COULD DO ANYTHING TO THE CONSUMER WITHOUT ANY CONSEQUENCES OR REPOCUSSIONS AT ALL. WHAT'S THE FUNCTION OF THE CFPB? WHAT'S THE USE IN FILING A COMPLAINT? THEY WILL DO IT AGAIN AND AGAIN IF NOTING IS DONE AT ALL. I AM A XXXXXXXX XXXX XXXX XXXX AND AND HAD MY XXXX TORN OUT NOT ONLY DURING THE WORSE TIME OF OUR LIVES XXXX XXXX XXXX AND HAVING XXXX XXXX XXXX XXXX, BUT BEING FURTHER TRUMATIZED BY THE LOW DOWN TACTICS AND NEGLIGENCE THAT HAS OCCURRED BY THESE ACTIONS THAT COULD HAVE BEEN AVOIDED. I TAKE RESPONSIBILITY FOR BEING FORGETFUL OF THE {$2700.00} PAYMENT SURPLUS TO ALLY NOT {$3600.00} ASK ALLY FOR THE AGREEMENT. THE LIES AND FABRICATION, THE UNCARING NEGLIGENCE, THE AGREEMENT OF HIRING SUCH PEOPLE TO DEFEND YOU TO TURN A BLIND EYE ON RESPONSIBILITY ISN'T AMERICAN AT ALL AND THEY HAVE NO SHAME AT ALL AND IT'S OBVIOUS THEY DON'T CARE!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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 purchased a XXXX XXXX through Ally Bank last XX/XX/XXXX. Which I was diligently paying for. On XX/XX/XXXX. There was a payment made of {$13000.00} as shown on my online account portal. My husband has habit of paying my loans so the activity did not surprised me. That left me with {$420.00} loan amount with Ally that I paid for on XX/XX/XXXX. This closed my load with Ally Bank. Ally Bank sent me a copy of the receipt via email and mail few weeks after that. I was very patient with the obtaining the title because of pandemic, I feel that XXXX was closed for a time or having delays. I called Ally around XX/XX/XXXX and followed up the title and found out that they made a clerical error on their part and that my car is not supposed to close. Now, XX/XX/XXXX. They reopened my loan and told me to pay {$15000.00}. My car does not even costs this much anymore after more than a year of closing my loan. I recently receive a repossession letter from them. I feel that it is not right for me to salvage them and pay for interest because Ally did a mistake on their part and now taking my car and damaging my good credit score. This is a scary mistake that Ally created and consumer needs to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Ally was paid off by my insurance I was in hit run my car got totaled out. I am trying to get new car but ally still on there they need to say paid off I have called twice and emailed them I need help. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Ally auto loans paid it off on XX/XX/2021 said i had to wait 10 days for the title and lean relese called monday the XXXX and the lady said i get in 2 day and now the lady said now 7 to ten day they are scamming the carbuyers they got there money and now they they dont care about sending the title
Company Response:
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A