Date Received: 2023-10-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I sent a dispute to Ally Financial on XX/XX/XXXX to delete a charge of closed account as of XX/XX/XXXX on my XXXX credit report. When the dispute was completed On XX/XX/XXXX. Ally Financial updated to XXXX that the account is a Charge Off and reopened the account back up after 2 years and it states I missed a payment now and stopped my credit score XXXX points. I made over 30 calls to Ally Financial along time to update this account correctly as being closed and charged as off since XX/XX/XXXX they have not given me nothing but the run around with no update correction to XXXX and now I have a recent missed payments because they reopened a charged off account from almost 2 years ago..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: To ALLY FINANCIAL. It is unbelievable the XXXX I have gone through these past few months thanks to this financial company 's horrible business etiquette. To give a brief synopsis I have lost many sources of income, got behind on all of my bills, damaged my credit, lost my home, lost my job, lost my cell phone. I've been homeless and on the streets. Being on the streets I've been harassed and feared for my safety and have been slowly stripped and robbed of all my belongings from kitchen appliances to living room to my socks and all in between. Just 9 days ago I lost the last bit of clothing/shoes I own and my father 's ashes. All thanks to ALLY declining to FIX MY CAR THAT THEY BROKE TO BEGIN WITH, my life HAS BEEN DESTROYED. Their GREED FOR A FEW XXXX THANKS TO DAMAGES I DID NOT CAUSE WAS WORTH SACRIFICING MY LIFE MY WELL BEING AND MY FATHERS ASHES!!!!!! To clarify, I paid to redeem my car after it was repossessed and the transmission was broken and ALLY haS the audacity to charge me monthly when my car was broken because of ALLYS negligence in towing my vehicle and after ALLY ADMITS IT WAS BROKEN IN THEIR POSSESSION, ALLY turns around without any thorough inspection and say " it probably broken because of the way I drive which is just total assumption and no way justice for doing a XXXX in making a final decision. I have video evidence for XX/XX/XXXX showing my car driving perfectly fine which is the night before it was repoed. Additionally I have a diagnosis from a mechanic assessing my vehicle and an email directly FROM ALLY FINANCIAL ADMITTING FAULT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. The creditor is Ally Financial. Account number XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Getting the loan
Subissue:
Consumer Complaint: I entered into a agreement to have several facial treatments with XXXX XXXX in XX/XX/XXXX. They immediately started billing me although no services were rendered. I contacted XXXX, but was told to make an appointment for treatment which I did in XX/XX/XXXX. I only had one treatment but the experience was awful. The technician used an ineffective XXXX XXXX to numb me before XXXX XXXX XXXX The XXXX felt like hot coals and I suffered excruciating pain during and after the XXXX XXXX. I further omitted and had XXXX for a few days. I couldnt even touch my face, it felt like it was on fire. A few days later, I called XXXX XXXX and told them that I would discontinue treatment and that they should stop billing me. I would pay for the service used so far, but felt that this type of treatment wasnt for me. They apologized and convinced me to give it a second chance and that they would use a different numbing technique, so I begrudgingly made a second appointment in XX/XX/XXXX, which was subsequently cancelled. I am now paying for a service I can not use and they are refusing to discontinue billing. I first called Ally, the company thats been billing me monthly since XX/XX/XXXX for {$97.00}, but ALLY referred me to Laser Away. When I called XXXX XXXX they referred me back to Ally. So apparently, Ive been caught up in some sort of scam or catch XXXX situation. I dont know what to do. Ally recently sent me a notice stating that if I dont pay the full balance of {$730.00} by XX/XX/XXXX, they would start adding interest to my payments. So I am really motivated to resolve this as soon as possible. Allys contact number is XXXX and XXXX XXXX XXXX XXXXXXXX. Is there anything you can do to help me.I can be reached at XXXX. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Ally is continously refusing to send me my payoff documents, my lease payoff amount and my payment history.. It has been close to 5 months and this is the 5th complaint ( possibly the 6th ) I have filed in a week on Ally. They sent the same woman to call me twice, and she just hangs up on me when I tell her to stop calling me and send me my documents. I am awaiting signing a retainer with an attorney to file a legal suit against ALLY for refusing to send me these documents and engaging in fraud and decpetive business practices. I have read hundreds of online complaints about ALLY doing this to thousands of consumers. This is their actual business model, to extort money fraudulently from consumers for no reason at all, when the consumer is TRYING TO PURCHASE THE CAR AND GET AWAY FROM ALLY This is costing me {$500.00} a month in garage fees, {$300.00} a month in car insurance and {$580.00} a month in the lease payment for a total of {$1400.00} OUT OF POCKET EVERY SINGLE MONTH THAT I DO NOT LEGALLY HAVE TO PAY IF ALLY FOLLOWED THE LAW. {$1400.00} x 7 ( total ) months that ALLY has been refusing to send me documents = {$9800.00} so far in unnecessary payments out of my pocket, countless hours lost of wages at {$1200.00} a day trying to force this corporation to abide by the laws. They refuse. The losses and damages in this case will be in excess of {$100000.00} at this point due to how severely Ally has harmed me, my corporation, and impacted my ability to survive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My vehicle was repossessed on XX/XX/. I filed a complaint, through CFPB, regarding Ally Bank not providing me the information of opportunity to buy out my lease for my vehicle. Today, XX/XX/, I recieved a certified letter that the vehicle will go to auction " sometime '' after XX/XX/. Ally Bank has been given until XXXX XXXX XXXX to respond to my first complaint filed through CFPB. It appears as though Ally has no intention of adhering to the XXXX XXXX XXXX deadline. If they do, the vehicle could already be shipped to auction. Also, Ally Bank is required to provide me with the auction location and date that the vehicle will be auctioned. I have the right to bid on the vehicle and ensure that it is being sold at the appropriate value.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This is a lot, so I'll do my best to adequately explain how I feel violated by Ally Financial. I filed foXXXX XXXX XXXX bankruptcy late this summer, which was approved for discharge. I was only able to reaffirm one car, but Ally informed me and my attorney that ( if I continued to make payments ) I could keep the car my daughter is driving ; she's currently in grad school. Shortly after filing bankruptcy, Ally locked us out of paying online. They said it was due to the bankruptcy but also informed me I could pay by phone for a fee and transferred me to their " bankruptcy dept ''. This bankruptcy department was also another company going by the name of XXXX or XXXX ; they continued to call me even during the bankruptcy stay, claiming that, because they were a different company and not Ally ( the creditor ) they could still call me. They would tell me I was behind on payments, which I would explain the situation and how we couldn't pay online or phone to Ally. I was told I would have to pay via phone through them now due to the XXXX XXXX When I tried to pay by phone via them, I was not allowed to- again they stated it was due to the bankruptcy but they could release that hold in 1-2 business days. I called back every 2 days only to get the same runaround ( the hold was still in place but the rep could call a supervisor and get it lifted ) and being kept on hold for hours ; not feasible with a XXXX job. However, we held on to the money owed each month ( 3 months ) so I would have it when I was able to pay somehow. XXXX gave me the same runaround for another month before I got irate and contacted my attorney to let them know of the situation, and told XXXX it's not fair to demand money yet make it impossible for someone to pay. The rep said that's their policy and even seemed shocked ( and disappointed ) when I told them I had the money in escrow to pay them, because I wasn't spending it each month just in case I'd be able to finally pay. I demanded to know how to send the money. They said to send it via XXXX XXXX. When I asked for the details to send it via this highly unusual way to pay a bill, I was placed on hold again for nearly an hour. I was at work and had to hang up while on hold. I visited the Ally website and found an address to send payments to if unable to pay online or by phone ; I sent a check for the past due amount at that time ( {$860.00} ) to this address via certified mail and called the company back to inform them. I was told to call back and provide them with the tracking number, which was on the receipt in my car at the time and I was at work and could not leave. I called back later that day with the tracking number and was transferred and placed on hold multiple times before reaching a rep who first acted as if he couldn't understand the tracking number I was giving him : I had to repeat it slowly several times until frustration led me to ask for a manager. After another long hold, I was transferred again and the rep told me that I'd sent the mail to the wrong address. I asked how was it wrong when it's on the Ally site and was informed that there's no one at the address ; it's just a XXXX XXXX they check every week or so. This was highly confusing and suspicious to me. My attorney also called them and contacted me to let me know of the outcome a couple of days later. I was informed that, after 4 hours, she was able to get in touch with someone at XXXX and could tell by the " beeps '' that more than one person had joined the call. She was finally able to get out of them that they'd already put in a repo order on the vehicle shortly after I filed for bankruptcy and the debt I owed Ally was discharged- way before they even contacted me about money owed. Basically, still trying to collect money from me that was no longer owed when they knew they'd already planned to pick up the vehicle since I hadn't reaffirmed with them. She encouraged me to cancel the check and consider giving back the car. Consequently, I called my bank to put a stop payment on the check and- thank XXXX the mail was delayed when I tracked it before doing so. When XXXX called again about the debt, I informed them of what I'd found out, that I'd stopped payment on the check and I wanted them to pick up the vehicle. The rep 's tone changed to apologetic and cooperative and, after verifying the car was at my address, she told me someone from the repo company would call me beforehand to let me know when they were coming to collect the car. Strangely, I wasn't kept on hold or transferred from dept to dept this time, since I wasn't trying to pay but only wanted them to come pick up their XXXX XXXXXXXX XXXXXXXX XXXX. My attorney tells me I have a case to sue them if I would like, but didn't recommend it because 1 ) it would cost me more than the car 's even worth and 2 ) I no longer owe them money and could just be free and clear of them forever. She advised that Ally has been guilty of these kinds of things in the past, to never do business with them again, and to inform the consumer financial protection agency that they are " up to their old tricks ''. Hence, this report I've just written. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am in the process of legally changing my name and I checked my credit report and noticed that there are unauthorized inquires on my report and must be removed immediately. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID AUTHORIZE THESE INQUIRES 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just noticed a hard credit inquiry from Ally Financial on XX/XX/2022. There was no direct benefit or authorization for Ally Financial to access my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A