Date Received: 2024-02-14
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 XXXX XXXX XXXX in XXXX of XXXX to XXXX XXXX XXXX in XXXX, California. They said they would buy the car from Ally/GMAC and there would be no fees or payments due. It was a three-year lease and I was in year three, with extensions, because of the Great Recession of XXXX. I was unemployed for twenty-two months. I never heard any news, information or ANYTHING for thirteen years until two weeks ago when I received a 1099-C form for cancellation of debt from the year XXXX. The amount is {$2300.00}. I do not know how Ally arrived at this amount as they have never contacted me since XXXX. California has a statute of limitations on auto loans and leases set at four years. Does this mean they can not sue yet can still process a 1099-C after thirteen years? The date on the 1099-C is XX/XX/XXXX, again a date on which I had no knowledge of this activity occurring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I went to trade in the vehicle at a local car dealership and when they were reaching out to banks for approval every bank they tried to get us approved for denied us due to the lender reaching out to Ally Financial and Ally telling the lender that we are delinquent on our truck and they have been looking for the truck to repossess it and that our account with them is closed, which isn't true. I call Ally to ask them to please provide me a letter that says that our vehicle is in fact not being looked for to repossess as our account is in good standing and this was false information. Upon further investigation the dealership said Ally hasn't been reporting our payments to the credit bureau so they are showing as not being paid and the account being in collections. When I called Ally Financial their side doesn't reflect any of this and they don't know what the dealership is talking about. I really just want the credit history to be resolved as this mistake by Ally has cost us points on our credit we couldn't afford to lose. Now we are stuck in a vehicle our family doesn't fit in due to their lack of communicating with the credit bureau. Any insight on how to resolve this issue is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Company has a security of mine and I have received nothing in return for lending them my credit. See attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the XXXXonsumer. As a Consumer, I have the right to make sure that my private information isnt shared which is backed by 15 U.S. Code 6801 - Protection of nonpublic personal information. 15 U.S. Code 6801 ( a ) states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Ally Financial is a financial institution by definition under title 15 U.S. Code 6801 which states : ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) States : ( 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 accordance with the written instructions of the consumer to whom it relates. Ally Financial, the financial institution and the Consumer reporting agencies XXXX, XXXX, & XXXX do not have my consent to furnish any information and they surely do not have my written consent. Any and all consent whether it is verbal, non-verbal, written, implied, or otherwise has been REVOKED. 15 USC 6802 ( b ) ( C ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. Ally Financial NEVER informed me of my right to exercise my nondisclosure option. Also, 15 U.S.C. 1681c ( a ) ( 5 ) states : Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item that XXXX, XXXX, and XXXX are reporting WITHOUT MY PERMISSION which is against the law. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. XXXX, XXXX, & XXXX are not maintaining reasonable procedures. Also, XXXX2 CFR 1016.7 ( h ) states : A consumer may exercise the right to opt out at any time. I AM OPTING OUT OF YOUR REPORTING SERVICES. My previous requests have been ignored by Ally Financial, XXXX, XXXX, and XXXX. I expect the CFPB to enforce the laws described in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company reported my account in a Bankruptcy status I could speak to anyone for a month when I called then they kept telling g my account was in Bankruptcy I told them I was filing bankruptcy because I could not make a payment this made my account110 days delinquent now they have closed my account and it has hurt my credit score. I have called in I was told that it was temporarily closed and once the account became current it would be reopened I have called several trying to speak with the legal department now they are telling there is no legal department then I asked for a phone they are telling they is not a phone to the legal department so I have called three times requesting to speak with a supervisor I have been placed on for 20 to 30 minutes or they tell me a supervisor is not available they have hurt my credit score several times over this whole matter even though they have removed the bankruptcy status my account is removing closed I have never had such a hard time dealing with a credit cared company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear XXXX : I'm writing to dispute the following information that appears on my credit report. I have so many are unauthorized Hard inquiries. Please help. The following inquiries are unauthorized, and I ask that you delete them : From 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's all. Thank you for taking the precious time to review my objection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have never been late on this account and infact paid it early. If there were issues that might have resulted from paymnet system that is not my fault. I was tired of dealing with thier wrong information being reported and called to just pay the loan off. I was promised that if I did so this would be removed from all credit agencies. I completed my end of the agreement and nothing happened. I paid the acount almost 1.5 years early!!! not only was this always paid as agreed but how did I get title if this was not. All and any negative information needs to be removed as promised in the phone conversation when I was making the final payment!!!!! This company lies and needs to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX AND ALLY FINANCIAL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Financial is forcing me to take financial responsibility for errors associated with my auto finance account. My vehicle was repossessed on XX/XX/XXXX. On XX/XX/XXXX Ally Financial mailed me a " Notice of our Plan to Sell Property ''. The " Notice '' stated " We will sell your vehicle at private sale sometime after XX/XX/XXXX. '' I paid Ally the full relocation fee of {$1900.00} on XX/XX/XXXX and reclaimed my vehicle. The " Notice '' breaks down past due payments ( 3 of {$370.00}, 1 of {$370.00} ) = {$1400.00} Late Charges= {$93.00} Expenses ( Retaking the vehicle ) = {$400.00} Total Balance Due including Expenses= {$1900.00} On my XXXX Bill I had a miscellaneous charge over {$400.00}. On my XXXX Bill, it ballooned to {$900.00} in total miscellaneous fees. After several " recorded conversations '' with 14 representatives from Ally Financial, the 14th was able to explain that the miscellaneous fees may be associated with the relocation. I called the relocation department several times, and received a recording stating that my vehicle was not in the system and that I had to call back in 2 hours. My car at this time was not repossessed -- so they would not have the vehicle and therefore, it would not be in the system. As a final call to action, on XX/XX/XXXX, I sent a secure message to Ally Financial corporate office. On XX/XX/XXXX, I received a letter from Ally Financial regarding my secure message. The letter states, " The incurred repossession expenses in the amount of {$900.00}, which were allotted as follows : {$400.00} for the Involuntary Repossession -- * ( I believe this is the same {$400.00} aforementioned ( Expenses : Retaking the vehicle {$400.00} ). The letter dated XX/XX/XXXX has a {$500.00} charge for the key fee. ( To prepare a vehicle for sale, personal items are removed from the vehicle, as such a key was cut to do so ). A key was never cut, I reclaimed the vehicle before it was put up for sale. The {$370.00} credit Ally mentioned was never applied to my account on XX/XX/XXXX ( see attached letter ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: Wednesday, XX/XX/XXXX Name on Account : XXXX XXXX Ally Auto Account number XXXX XXXX XXXX Claim number XXXX Vehicle type : XXXX XXXX XXXX XXXX My complaint concerns 2 parties. Ally Auto ( account shown above ) and XXXX XXXX ( claim number shown above ) On XX/XX/XXXX while on the way to pick up my son from school, I had an accident in which I was not found liable. The insurance company handling the claim was XXXX XXXX XXXX ( claim number XXXX ). I filed the claim the day of the accident. In the meantime, my family has been going through financial difficulty and fell behind on payments. Before the accident I was receiving calls from who I thought was Ally Auto but now I know it was XXXX XXXX for payment. The last call that I received from them before the accident the lady I spoke to was obnoxiously strong and arrogant and threatened us with repossession. If I remember correctly after the accident it took me a couple of days but I reported the accident to Ally. On XX/XX/XXXX the vehicle was repossessed from my yard as we decided to bring the vehicle home after the accident due to personal possessions in the vehicle. Before the repossession I had been working with XXXX XXXX sending them pictures etc of the damage to the vehicle. The adjuster was about to make a decision on the vehicle as far as if it was a total loss or not when the vehicle was repossessed. After the repossession I called Ally on XX/XX/XXXX to ask them about what I needed to do? I knew that we owed less than what the vehicle was worth and I asked once the loan was paid off with the insurance claim, who received the overage of the payment? I already knew the lawful answer but I wanted Ally to tell me and they did. The person I talked to told me that I would receive a refund for the overage paid by XXXX XXXX. On XX/XX/XXXX I received a letter from Ally Stating that they were planning on selling my vehicle however at the time whoever sent the letter didnt realize the vehicle had been in an accident. The letter stated that I was past due 4 payment totaling XXXX, late charges {$290.00} but did not list the repossession pickup expense. On XX/XX/XXXX I received another letter listing the same numbers as above however this time they included the repossession pickup expense {$470.00}. I had received a rental car for 2-3 days from XXXX XXXX but XXXX the vehicle was repossessed I had to take the vehicle back to the rental agency on XX/XX/XXXX as XXXX XXXX said that Ally owns the vehicle that was on the claim even though I was the one to file the claim and the vehicle was still in my possession at the time of the accident. XX/XX/XXXX I called XXXX XXXX to check in on the status of the claim and they told me that there was not an estimate as the location of the vehicle was not updated. XX/XX/XXXX I called XXXX XXXX to find out once again what the status was on the estimate and if the vehicle was a total loss. There was still no inspection of the vehicle thus no estimate. XXXX XXXX said they can not talk to me about the vehicle due to Ally repossessed it even though I was the one that filed the claim before the vehicle was repossessed. XXXX XXXX then told me that they have been trying to call XXXX XXXX and XXXX for the location of the vehicle the last call they had made at the time requesting the location was XX/XX/XXXX without a response back. Due to XXXX XXXX not responding to their request XXXX XXXX asked me to investigate where the vehicle was on my end. I called Ally, Ally told me to call Ally Insurance which was really XXXX XXXX XXXX. I was then told that XXXX XXXX had to submit a request for inspection to XXXX XXXX. They then gave me the vehicle location which was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX. They then told me that the inspector can not get in to see the vehicle until the request forms have been submitted and received. XXXX XXXX continued to have problems getting in to inspect the vehicle. The responses were delayed from both XXXX XXXX and the storage company. Now XXXX XXXX is stating XXXX XXXX needed an affidavit to be able to get in to view the vehicle. XX/XX/XXXX I received a letter from XXXX XXXX stating the following : Actual Cash Value {$41000.00} Taxes {$500.00} Title Transfer {$33.00} Tag Fee {$0.00} Subtotal {$42000.00} Payment to lien holder {$42000.00} Total net payment to you {$0.00} I am not for sure the date on this information however, I called XXXX XXXX and they said that the payment was processed and sent to the printing center XX/XX/XXXX. I called again and once again I am not for sure what date I called and received the tracking # for the check that was sent to XXXX XXXX. Tracking # XXXX and it was received on XX/XX/XXXX in the XXXX XXXX mail room. XX/XX/XXXX The payment was still not posted to my account with Ally. I called Ally Auto and they do not show that they received the check. The person I talked to said they needed to call XXXX at XXXX XXXX to see what address the check was sent to. I then received a name and phone number of the XXXX XXXX XXXX XXXX contact : XXXX. XXXX was supposed to be the one handling my account. The person said that she would be calling me but I never received a call, email, or letter from her. XX/XX/XXXX Once again, I called Ally, they told me that I had to call the Insurance Claims department which is actually XXXX XXXX, I was transferred to the SOD department. This time the person I talked to gave me a claim number XXXX as reference because they had a hard time finding my information. They told me that the payment had been sent to Ally Auto electronically. At this time, I referenced my concern about repossession fees, storage fees, and late fees. I was told that XXXX, who was first mentioned to me above on XX/XX/XXXX, had to reach out to Ally Auto and XXXX XXXX to resolve these matters and that she would be contacting me. She never did. XX/XX/XXXX I checked the status of my account to see if the money had been applied and it had not been. I called the contact number Ally noted on my account page online. XXXX Once again I was told that I needed to talk to Ally insurance which again is XXXX XXXX XXXX They then told me I needed to once again talk to the SOD department. I called XXXX and talked to a man by the name of XXXX XXXX. He told me that XXXX XXXX only sends out 1 payment check to Ally Auto once a month. He said he was going to call XXXX supervisor to find out where the payment went to. XX/XX/XXXX I received a secured email from Ally referencing file number XXXX The letter stated they received my call on XX/XX/XXXX and they are searching my concern. The letter stated that I could call XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for Executive Customer Service Manager XXXX. XX/XX/XXXX I called the Executive Customer Service Manager - XXXX to whom sent me the secured email on XX/XX/XXXX regarding my account and stated I wanted answers. I mentioned I was reporting Ally Auto and XXXX XXXX XXXX Customer Financial Protection BureaXXXX along with the Attorney General of South Carolina.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A