Date Received: 2024-02-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We have sent Ally numerous payments to get our vehicle loan paid down and they are not applying them to our balance. We have paid them over XXXX this month alone and another XXXX in XXXX. Our car was involved in an accident on XXXX and also the transmission went out and needed to be replaced and we are still in process of repairs. They are not applying payments sent and charging almost XXXX in late fees but again they are not applying payments made to principal or adjusting our payments!!!! It states we owe XXXX!!! How when we just paid them XXXX in the last few weeks??????
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: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Somebody used my information and opened a phone line in my name. Not 1 did they show me my signature to where I signed my named or a verified proof of my identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2024-02-19
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: Reporting company used your report improperly
Consumer Complaint: Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802. Furthermore, review attached documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I completed a stock shoot with XXXX XXXX XXXX XXXX in which I received a {$500.00} check as payment. In an effort to diversify my savings accounts, I opened a high yield savings account with Ally Bank to deposit the check. I submitted the check via mobile deposit. After logging in a few times, my account was locked. I called Ally Bank and they claimed the check I submitted was fraud and that they closed my bank account. They notified me that the funds would be sent to me via check to the address attached to my account. Although I knew the check was not fraudulent, I knew there was nothing I could do to get my account reinstated. Months passed and I never received any correspondence from Ally nor a check in the mail. On XXXX XXXX, XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, notified me that the check was, in fact, posted ( see attachments ) on XX/XX/XXXX. I immediately called Ally Bank to see where the {$500.00} deposit went to which they claimed that the funds were never deposited and the check was never accepted. I asked for a claim number and follow up. They gave me the claim number XXXX. A week later, after receiving no word of my dispute, I called to follow up yet again. I was notified that the check was never posted and that the account was closed. I never received details about the investigation or an answer as to why the check was showing as posted from XXXX XXXX XXXX XXXX 's when Ally Bank claimed the check was never posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount I was billed for was XXXX which is incorrect. I continuously called ALLY, finally spoke with a rep named XXXX from the investigation of vehicles who confirmed on XXXX XXXX approximately XXXX XXXX. She stated the damages I was charged for were in fact incorrect and the summons I was charged for would be removed as well due to them being incorrect. The rep XXXX stated she would send a new invoice with the updated amount for the up charge of the mileage being over. However ever bill I received since then has had the XXXX amount which I am not responsible for. For the entire duration of my lease with ALLY or any company I have NEVER missed a payment or been late. This is very upsetting being my credit score has been effected by this irresponsible charge of greed by ALLY. I have photos of the XXXX prior to it being returned with dates and time stamps. Hopefully the recorded line will come about with the rep telling me she in fact did NOT see any damages and would adjust a bill that I NEVER received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Hello my name is XXXX XXXX. I purchased a XXXX XXXX XXXX on the year of XXXX from XXXX XXXX. I was just trying to get my credit up by doing so, and what I thought was a good deal, turned out to be the worst deal I've ever made. I have received my full promised tax refund since then and here it is XXXX. Because of this, I blame the finance company ( Ally Financial ) for this damage that has done to my financial situation. The vehicle was repossesed involuntarily, and I'm still receiving letter and phone calls about collecting of payment from interest it has accrued. Please I'm in need of help in contacting someone about refunding what was owed to me. Even when the company went through a lawsuit, I still received nothing from this. If anyone else has went through this please let me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Upon attempting to login to the company website to make my regular payment as I have done over the life of the auto loan with Ally. I was met with a new Terms of Use requiring agreement before I can enter the website to make my payment as I normally would and have. The agreement is disguised to only agree to allowing electronic receipt of communication and documents. However, when carefully reviewed the updated terms of use give Ally power to do anything they please without any recourse available to the consumer. I can not log into my account to make my payment because Ally has the system set to not allow customer in without agreeing to the XX/XX/2023 updated Terms of Use agreement. I should not be forced to sign any agreement to login to my account and make a payment. Online payments are not to be blocked for companies to abuse consumer rights. Ally is trying to change loan terms with updated agreement. If it was solely for electronic notice consent why is it discussing loan terms. Also, it not only one part the consumer has to agree but there are two. In which they have setup so once a consumer agrees to the electronic communication part. A second agreement appears that only then does Ally pride an actual document link for review. Which the second part is much shorter upon first review however the link is deceptively implanted on the second signature window. The updates Ally is trying to make customers agree too are abusive and manipulative. Companies need to be stopped from these abusive tactics that more and more are engaging in as a way to execute money grabs and abusive customer service relationships. They need to be reminded that without customers they have no business to profit from. SO stop being abusive, mischievous and manipulative. The agreement is attached for review. Ally need to let me into my account without me having to agree to anything to be granted access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently submitted a payment of {$350.00} to Plus Finance on XX/XX/XXXX, making the available credit {$850.00}. I attempted to extend a car rental while traveling out of town, but unable to do so because Plus Finance place a security hold on my account. When I reached out to Plus Finance 's customer care department, an agent stated that a security hold was placed on my account and he needed to transfer my call to the security department. The security agent stated that my card use has been suspended because of multiple canceled payment in their system and in order to use it again, they would need a " Letter of Authorization '' from my bank showing the account as in good standing and active. The canceled payments that the agent was referring to were cancelations of " pending payments '' that were canceled and resubmitted, which should not have ever been an issue in the first place. Editing a payment should not have caused an account hold. Plus Finance withdrew {$350.00} from my account on XX/XX/XXXX, but insist that I submit proof that the account is active for a technical glitch on their end. This makes no sense. I contacted my bank and was informed that Plus Finance would have to submit a " Borrower 's Authorization Form '' to request such account data that I would have to sign before being submitted to Plus Finance. This is extremely inconvenient. The last time I submitted payment from the same account was on XX/XX/XXXX with no issue, but all of sudden there's an issue with the bank even though I used the SAME BANK ACCOUNT 3 months ago! The level of customer service is subpar. The 2nd agent I spoke in customer service that goes by the name XXXX was rude and argumentative. I asked to speak with a supervisor, but she stated that one was not available and suggested a callback. However, when I declined, XXXX became combative and uncooperative, and released the call. It is not my fault that their system flags canceled pending payments as a security threat. This is absolutely unethical and an example of unfair collection practice especially since this company recently withdrew money out my bank account they claim that proof is needed to show that it is active! Plus Finance does not have any written disclosure on their website nor has mailed any notice explaining that any pending payments that are canceled can result in a hold on the account. I don't know of any credit card company that will penalize their customers for canceling pending payments. This extremely frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28560
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 4 inquiries on my report that I did not authorize and I have called but could not get any help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A