Date Received: 2023-08-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a dilemma and don't know what to do. Looking for your help. I applied for a mortgage and my lender told me my credit score was XXXX. He noticed I have an account from Ally that is reporting car loan 30 days late from XXXX last year. I have documentation that proves its not correct. I called them and they agree so I try to get rescore with my lender. The lender gets their credit company to call Ally to verify and they tell credit reporting company different story. I get on the phone with lender and Ally and here 's the story. I contacted Ally last year in XXXX to do some type of split payment agreement due to just starting my job. They told me on the phone that in order for it to take place, I need to receive documentation from them and send in {$99.00}. The rep told me and my lender I sent in the {$99.00} on XXXX at XXXX before they sent out the contract agreement at XXXX. So they counted that payment towards prior agreement and not for new agreement thus I was late! They are going to do investigation but it takes 45 days and they don't guarantee anything. I am appalled that this has happened to me because they never sent anything afterwards notifying me that the arrangement didn't go through and that I was late. They also sent me a payment history and it shows I wasn't late. According to my lender, having a 30 day late payment severely drops your credit score if it is within 1 year! Trying to do the right things but being punished because I sent in monies early instead of not sending, is absurd. I can not get a mortgage because my score is below standard credit scores because of this! Please help me!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67401
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Recently Ollo Credit Card Company was taken over by Ally Credit Card. My account was compromised while it was Ollo Cards. I have since received a letter stating an investigation has been done, and I am not financially responsible for any charges. I wrote Ally a letter stating how incapable their employees are, I feel they decided to open up the case once again. Adding the charges in disagreement on my credit card. I paid off my remaining balance so I could close this account. There's no reason for them to open up the fraud case again, other than Ally Credit Card, with their lack of employees knowing what they're doing, than to try and intimidate me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My cd matured XXXX with ally bank. Two weeks ago I gave them instructions at maturity and asked for a confirming e mail. I was told you would have it in two days. Never happened. Then I was told two days before maturity. 12 calls I recieved nothing. Today it matured and they refused to e mail the instructions given. I dont trust that the funds will be wired as promised to my chase account. They told me a Letter will be mailed. They should be fined and removed as a bank. They are a disaster
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: For 2 years I have been told that my covid eidl loan funds were returned to the SBA in XX/XX/2021, only to just find out that Ally bank has been holding the funds in some type of holding account for over 2 years. I have been having to make payments on a SBA loan that I never had access to, meanwhile I have been constantly lied to by Ally bank, who said they returned the funds to the SBA. This whole situation caused me to lose my business in 2021, which is what the funds were meant to prevent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been having issues with Ally Financial for months. My mother was gracious enough to help me purchase a vehicle. in XX/XX/XXXX. I had a financial hardship and i was unable to make my first payment and then found out i was about to be suspended from work. In XXXX, I called to see if i can get some type of extension. I spoke to 3 different people. i asked the first representative if i could make bi weekly payments based on my pay schedule to avoid these issues. i was told no and that i would be charged a late fee every time i paid. the second representative i spoke i told them about my suspension and what my hardship was, she kept twisting my story and saying that i was fired which was incorrect. another gentleman i spoke with was rude and stated well were taking your car and itll be repossessed. not even trying to understand my situation or assist me. since then ive spoken to nothing but rude ans disrespectful agents and they have tried to charge my bank account multiple time with a result in high fees. i spoke to a lady last week who again had a snappy attitude stating how much i had to pay and gave me the incorrect information for payment through XXXX XXXX. so when i finally got a full paycheck when i got back to work this past week i called on friday 3 different numbers up to 12 times and was hung up on at least 5-6 times. i then received a collection call ON A SUNDAY. So monday i spoke with a lady who was nice and i told her i placed the payment in the mail. She said she would notate my account and said she would not remove the repossession because i am now 1 month behind. she said once i pay the amount of {$510.00} and i call and let them know and she will close the account. and once the payment i mailed out comes through she will add it to the account later on but i would be okay because then i would only have XXXX to pay. on tuesday, XX/XX/XXXX at XXXX a tow truck snuck into my moms development and took the car out of the driveway. I called ally financial monday morning and the refused to give me the information about where my car is and told me i had to wait until thursday to call and ask for it. i asked could i dispute the repossession and was transferred to the Worst supervisor i have ever dealt with in my life. told me stop interrupting him. i told him i was given incorrect information, and was talking to me like i am a child which i am not one. and then began to speak to me as if i am illiterate or slow. and when i asked him for the information for my car he said no, you can call back on thursday. I understand that i am at fault for my payments being behind but i am doing the best i can. i am partially homeless, i have XXXX XXXX and i need my car. i have explained my situation over and over and they just have been the worst to deal with. I am not sure what filing this will do but if i could get some type if help dealing with this i would be so grateful and appreciative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023 I extended credit to XXXX XXXX ( XXXX XXXX XXXX ) 15usc1602 who then sent my private information to Ally bank who then use my information to run my credit without my permission & XXXX who denied me based on false allegations 15usc 1611 also 18 usc1951 I believe ally bank knowingly and willingly committed fraud because when I called they said no had no record and couldnt pull anything up with my name and social but yet I received a letter today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. Ally Financial was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact Ally financial who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to Ally. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX and it was financed through Ally Auto. Ally had previously financed a truck for my in XXXX, the loan was closed out and in good standing, so when I try to make my new online profile it keeps stating that I have an account. Whenever I try to recover my account, it gives me an error code as seen in the screen shots that are attacked. I have contacted Ally Auto 's customer service for online account XXXX and again on XXXX regarding this issue since I can not log in to pay my loan. I was told that it would be 3-5 business days and my account would be reset on both prior phone calls. I contacted Ally again on XXXX to inform them that the account is still locked, the representative informed me that the ticket # XXXX was lost or looked over and would have to create a new ticket. This would prolong the issue about 3-5 business days, when asked to speak to a supervisor who could escalate the issue I was told " The account is past due, we can not let you speak to a supervisor here so we have to send you to collections and let them handle the issue. '' When talking with collections, they have no control over the online account and the cycle repeats, going back and forth between the departments. The issue is that they are wanting me to pay through a third party and pay " convenience fees '' in order to make the account current whenever the issue has been on their side since the loan was due on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A