Date Received: 2024-02-21
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Hello, After seeing this beautiful XXXX XXXX car advertised online as XXXX milages only with the price of {$78000.00} I went to the dealership to check out the car on the date of XX/XX/XXXX. After sitting down with the salesman and since the car was advertised online as XXXX milages only. The car was inside the dealership and I was told to only sign contracts before I test drive the car. I was also told that if I test drive the car and if for any reason I do not like the car they will rip the contract and cancel the deal and loan that was taken from the bank. I filled out paperwork as if I wanted to buy the car and then the finance person told me that the bank wanted me to put {$25000.00} down payment but since I said I could only afford to put in {$20000.00} he then proceeded to say that he'll put {$5000.00} out of pocket which seemed very sketch to me and my father during the purchase. After signing the paperwork just to test drive the car, it turns out that the car mileage is XXXX on the dash of the car so not XXXX miles as advertised. Therefore I did not want to proceed to purchase the vehicle and I was told after coming back from the test drive that the salesperson said his name to be at the time " XXXX '' got me qualified for insurance which I told him I did not want as it was too pricy. After he tried to fix the pricing of the insurance he got locked out of the system from XXXX for trying a lot and then I ended up not buying the car. All of this time, I did not put a single XXXX for a downpayment. I was told that I had to sign before test-driving the car. Before leaving the dealership at XXXX pm that day, I was told and almost forced " verbally '' to leave a deposit of {$5000.00} which I did not leave. Therefore i did not want to proceed with the purchase. I woke up next day to a lot of calls from many people at the dealership telling me that the car is now mine since i signed the contracts and i must go pay the downpayment and take the car which i told them to cancel the contract because i am not longer interested in making the purchase. They then try to insist on me purchasing the car and claiming that it's now mine even tho i was told that if i XXXX XXXX it and i don't like it then they'll rip the papers and cancel the whole deal. Now, I have a {$68000.00} loan that was taken from Ally Financial Banking under my name and a few days after this situation i get a call from a lady and she congratulating me on my new insurance and the car i have. I was confused and i have this call recorded as i never gave consent to anyone to make insurance for me nor do i have the car or left the dealership with it or gave a downpayment. I need a solution to this serious situation as i have a bill from Ally Financial Banking coming up on XX/XX/XXXX which is a total of {$1100.00}. I had communicated with the dealership a lot of times to solve this and to cancel the loan and they claim to have sent out to cancel the loan with Ally Financial Banking and after also contacting Ally Financial many times I was told that they never received anything from the dealership regarding this matter. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I contacted Ally numerous times asking for clarification on what is going on with our bills and why they are never adjusting our amounts after payments. We have been late but have paid down the balance two payments in XXXX And 2 payments in XXXX We have always made payments when possible and it seems they rarely apply payments to the principal and they are not adjusting the bill correctly as we should not owe XXXX but they refuse to explain our billing or adjust accordingly also applying XXXX in late fees seems excessive and if someone is struggling to keep up with their extremely high car payments how is such a high fee supposed to help get caught up. I want my statements and account reviewed and explained because I feel very mislead and like we are being treated unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX I Went to a car dealership called off- lease only. I was told by the finance department that I was approved for my car loan through Alley financial, when I saw the interest rate at 11.5 % I told the finance guy name XXXX that the interest rate was too high, his words to me were dont worry Alley bank works with me on a lot of deals and he stated dont worry they do anything for me. I was worried about the interest rate, he told me dont worry about you can refinance in 6 months for a lower rate. He also stated the he had a person at Alley bank that would finance any deal for him, the off lease only and alley were inflating interest rates and the dealership was inflating the car prices to double the value of the car. Im a XXXX XXXX elderly women on a fixed income and on XXXX benefits. I have a XXXX XXXX XXXX XXXX that Alley bank is charging me {$49000.00} between interest rates at 11 % and the car is worth {$23000.00} almost double the price, this is called inflated pricing on used cars. This is the second complaint I am submitting, Alley bank will not do anything about it. I need your company consumer finance company to fight for me as I am the consumer who is filing the complaint. Im requesting this company to fight for my consumer rights with Alley Financial and find me a resolution to this civil illegal practice that Alley financial is doing to there elderly and minorities. They are no fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a message that my payment was due with Ally and that nothing was scheduled. I knew it was scheduled, but I went on the site and could not find it anywhere showing that I had scheduled it. So I scheduled it again sure enough they took it twice, when I called they said yes we took it on the XXXX and the XXXX so I asked for a refund. They took this payment electronically, admitted that they sent out the text saying there was no payment scheduled when there was, but I have to wait 10 days to XXXX weeks to get that money back via snail mail check. iIf they take it electronically, they should return it electronically, there is no excuse for making us wait other than it to hold money that is not theirs. It would be nice if the government would actually work for the human citizens not the corporate citizens for a change. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i dont recognize none of the hard inquiry on my credit. i didnt authorize them ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Ally has repeatedly been stealing funds from my account. My available credit is a whole dollar amount and hasn't ever been " cents ''. Most of my purchases that have cents are totaled out to the next dollar amount and the change is never reimbursed ... This has been going on since opening the card. I have over XXXX transactions that I simply lost the change. Ally secretly hides my money somewhere and deducts it all from my available balance. This is A CONTINUOUS ISSUE THAT NEEDS TO BE FIXED. I've added up all of the transactions in my account and according to my calculator, Ally has stolen over {$1200.00} in " CHANGE '' from my account. I applied for this card in XX/XX/XXXX and was approved via XXXX XXXX for {$2000.00}. The card arrived, I read the card member agreement and started using it for purchases. In XX/XX/XXXX, there was a charge for a flight with XXXX in the amount of {$350.00} ( 2 ) and XXXX in XXXX XXXX ( 2 ) {$19.00}. I called Ally and tried to dispute these charges because I in fact never took those flights. I HAVE A LATE PAYMENT FOR XX/XX/XXXX BECAUSE ALLY DIDN'T ALLOW ME TO DISPUTE! I spoke to them on the phone for HOURS! They never even DOCUMENTED THE ACCOUNT!!!!!!!!!!! The flights were canceled by the airline. I was told that I was refunded the money by the merchant and they aren't holding any authorizations or monies on my account and that a dispute form would need to be submitted via mail and to attach the itinerary to the forms. I also emailed the forms in to the address they provided. Less than XXXX days later, I received a letter stating the dispute was closed and no further investigation would be needed. That's completely against FCRA Under the Fair Credit Billing Act ( FCBA ), consumers have 60 days from when the billing statement was sent to file a dispute for unauthorized or fraudulent charges. I no longer have that luxury to dispute anything. I've paid on this card twice a month and still have payments due within the same month. They aren't properly doing ANYTHING legal with their billing department. Representatives give false statements that aren't in line with the cardmember agreement and according to ( Employee ID XXXX XXXX XXXX there is a new cardmember agreement that has been released to new Ally Credit Card customers with updates on their policies but I never signed anything or received anything. Now, my payments are all subject to a 10 day hold, any deposits for hotels or incidentals for 10 days. My cardmember agreement states 5-7 day holds and all payments will be credited to accounts within 1-2 business days. I feel that I'm now being discriminated against for a failed payment that was made but I also have an email from XX/XX/XXXX that states customers will NOT be penalized for a returned credit card payment. I'm not understanding the philosophy of this company. XXXX XXXX I paid XXXX on my Ally credit card which was held for 7 days, not 10 how their NEW policy states. Another way they are frequently monitoring everyone 's account by hand and locking them when they deem necessary. I have used the card graciously but I also discovered the " cents '' dispute. I contacted Ally about multiple transactions from Enterprise Car Rental that was NOT supposed to post on the account, it sits there and I have to pay DOUBLE because Ally didn't " receive '' a refund. Untrue. I've spoken with Enterprise ACCOUNTING AND GOT A FULL DETAILED REPORT OF THE REFUND! Ally DISHONORED IT!!!!! XXXX XXXX XXXX swiped my card for an incidental room deposit on XX/XX/XXXX and not only did I check out the next day, I went to another hotel, had to get a refund and it was NEVER HELD. ALLY HELD XXXX XXXX DEPOSIT FOR 10 DAYS BECAUSE THEY WANTED TO. I spoke with a representative, XXXX, who told me that she didn't know WHY the hold was still on my account and that their policy was 5-7 days. The NEXT representative told me something completely opposite. Told me about an authorization code being sent and XXXX never collecting. Spoke with XXXX, the {$50.00} was credited back on XX/XX/XXXX and was NOT responsible for the transaction still pending. Strange how they placed my credit line over the limit and a hold on my account. During this time, I noticed that my available credit changed by {$1.00}. I lost another {$1.00} by not using the card. Now, I'm sent over to a supervisor everytime I get to call them and they don't know what policy they are actually following. No one gives a straight answer and I've already read my cardmember agreement and NOTHING they do has been in accordance with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account and deposited {$10000.00}. I then travelled. While traveling, I became ill. A debit card that was sent to me was lost. The bank then froze my account and refused to return the money. They have engaged me in lengthy conversation that have taken up to sixteen gourds of times. They have submitted me to painful humiliating conversation. They caused me to miss opportunities, miss trains which caused me to not be able to return to y resting place and stay in the street all night. They have led me to exhaust my phones battery again and again so that I have been in vulnerable, dangerous situations. If I am robbed tonight its because I have been stranded and lost in an isolated place because of their abusive, exploitative, irresponsible and inhumane policies. The refused to take my medical condition, my geographical, my gender and consequent into consideration. They refused to allow me to speak to a supervisor and repeatedly disconnected me causing me to have to call back again and again and again. I have been forced to call at least 26 times today. They have inhumane policies that they claim prevent them from helping me expeditiously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year> LIKE THEM REMOVED PLEASE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of XXXX XXXX and debt bondage. I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX dealership. I told him I was going through XXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
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: 2024-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A