Date Received: 2023-08-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded. We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding. We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must. The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I co-sign on a car loan with a ( ex ) friend. The friend defaulted on loan and I didn't know, until I received a call from Ally financial, in late XXXX. Seems payments stoped in XX/XX/XXXX, and found out XX/XX/1923. I don't have the car and have tried to find it, but the person I co-signed for ( XXXX XXXX XXXX ) will not give me any info. I explained to Ally and have asked for payoff paperwork, to no avail. I know I'm going to be stuck, for my foolish mistake. But I don't think it's fair for Ally to keep adding charges. I have tried calling/talking to Ally and asked for supervisor, to no avail. They hang up or chant this, this call will be recorded etc. And I can't get answers or paperwork. They call my work and I say stop, your endangering my job. Financial I can't afford to pay this loan, I have my own car loan, and being a single father, I have a child to support. I do have a family member who is willing to help me, but it will difficult for them also. I just want a fair and final payoff amount and time limit, which I can not get Ally financial to give me. I have tried legal aid, and even though my income qualifies me, they can't help me, other then give me a phone number to bar assoc. That wants {$25.00}. For advice. Please Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48060
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX XXXX XXXX & Ally Bank is in violation of Missouri Laws 408.140 & 15 U.S.C. 1605 ( a ) and the T.I.L.A. in that the price of my vehicle was inflated to give a larger compensation to the dealer and the bank by adding charges ( GAP, Easy Care, Administration Fee ) to the amount financed instead of the finance charge. This is a violation of Truth In Lending Act ( T.I.L.A. ) because Regulation Z prohibits creditors from compensating loan originators for anything other than the credit extended and for steering consumers to unfavorable options for the sake of higher compensation. Fraud involves a false representation of facts intentionally designed to provide the Perpetrator ( person aware of information ) with an unlawful gain or to deny a right to a victim ( person not aware of information ). XXXX XXXX XXXX XXXX & Ally Bank is in violation of 15 USC 6803 T.I.L.A. ( Truth In Lending Act ) in that full details of Ally Bank policy are not comprehensible to affiant with a clear format and design for clear and conspicuous disclosures of policies and practices.This action of Dealer and Bank Fraud has caused damages in my financial forecast and life considering the time and effort it takes to save a portion of my income.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I let this firm know that I was filing for XXXX XXXX then upon completing the Bankruptcy review with Attorney XXXX XXXX, I made one more attempt to work with creditors following my injury, especially given this is my first hardship after 22 years of perfect payment history. Ally rep assured me to make 2 payments then I could start a modification. Upon calling them back they explained they essentially lied and would not honor that and began harassing me to make additional payment. Clearly this was fully dishonest, manipulative and fraudulent. I then filed a complaint with the CFPB of which I received notice that the merchant responded. Unfortunately, then I just received another full demand and repossession notice. I fully expect the modification to be honored. I sent them the complaint on XX/XX/2023. They did not respond at all. I then followed up XXXX complaining of this total lack of response and the hardship not using my car is putting on me while they continue to collect, lie and not respond. They responded the same day with the following : We have received your feedback about the account. Due to the nature of this request, we need to speak with you by phone. We will call you at ( XXXX ) XXXX within 48 hours. There has been no outreach to me to begin the hardship modification. I can't believe this company allows this to remain unresolved and now I fear I'm going to be forced into bankruptcy by this one creditor when all of the others work with you so well. Note : Contact me at my new phone number of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new. I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX. Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this. Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined. Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period. This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de partment report, as well as a full report with evidence to the FBI via IC3. I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes. Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them. If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company. This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied to Ally for a mortgage assumption and my application, fees, and supporting documentation were received by the company on XX/XX/2023. The company erroneously denied my assumption application advising that Ally did not permit assumptions. Ally later retracted that claim and corrected advising that assumptions were in fact allowed. I went through the underwriting process twice due to delays on behalf of the assumption processing department for Ally, also known as XXXX. I had to produce financial and court documents multiple times as they had aged out by the time the file was actually reviewed by a processor. Within 24 hours of receiving a request from XXXX, I provided them with the requested documentation. All information was sent via certified mail to confirm delivery. On XX/XX/2023 I received confirmation that underwriting approved my assumption and that my file was in line for an approval letter to be issued with next steps. Since that time, I have called or emailed the company over six times requesting a status, timing expectations, and next steps ( i.e. do I need to hire a Real Estate Attorney or a title closing company ). All emails go unanswered and phone calls are non-committal, even at the second and third supervisory level. The assumptions department has no direct phone number or email to reach anyone. An Ally employee is not even able to call the assumptions department. Today, XX/XX/2023, I was advised that although underwriting reviewed my application and approved it, the protocol is to send it back to Ally for a second review and approval, before " the letter '' and next steps to be issued. XXXX is now advising that they " have to take direction from Ally ''. I have requested timing on this process, I have requested contact information for the loan origination office at Ally, and no one seems to be able to provide me, the consumer, any information. My assumption application has been on file now for 113 days. XXXX/loan administration points the finger at Ally, Ally points the finger at XXXX XXXX XXXX And at the end of all of it both companies response to me, the consumer, is, " just go ahead and refinance, it will be faster ''. That is because the company wants me to have to do that due to my timing constraints. That's in the Ally 's best interest, to start my 30 year loan term over, more than double my interest rate, pay closing costs. That is unfair and unreasonable. I have almost perfect credit, my employer has provided a detailed report to Ally regarding my income, and I have religiously paid my mortgage early for over 11 years. My house is worth 3x more than the remaining loan amount on the mortgage. Ally knows I have a timing deadline that is Court ordered relative to a divorce to have this completed by XX/XX/2023. They have had over 113 days to process my very straight forward assumption application with no delays on my behalf. The process was originally supposed to be 30-60 days, then 60-90, then 90-120, all due to claims of a " favorable refinancing environment '' of which is not an accurate depiction of the current environment. Ally is taking advantage of a customer to pad their pockets and force me into a refinance. I find it unbelievable that a reportedly regulated industry such as lending, has no timing or communication requirements for the consumer. It's unfair lending practices and discriminatory for the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: OnXX/XX/2023 I was coerced into sending XXXX XXXX dollars ( {$2000.00} ) to a XXXX account of a user I did not know. Again, on XX/XX/2023I was coerced to send XXXX XXXX dollars ( {$2000.00} ) to another XXXX account of a user I did not know. On XX/XX/, I submitted two ( 2 ) XXXX transaction disputes via my financial institution : Ally Bank. On XX/XX/, I called my financial institution and kindly informed them that I could not access my account and that I needed to access my funds in order to pay my rent and bills and bills on time. I was told I would receive a call from an investigator. On XX/XX/, I followed up with my request. I was told I would receive a call from an investigator. OnXX/XX/2023, I received a phone call by the women who coerced me into sending money and was threatened to be " sued '' and " XXXX '' if I did not cancel the XXXX disputes. OnXX/XX/2023, I cancelled the disputes purely out of fear. I was told I would receive a call from an investigator. On XX/XX/, I disclosed this information to my fianc who informed me that it is necessary to call the bank back, let them know I was threatened, and to reinstate the disputes. My fianc and I called Ally Bank several times. We were told we would receive a call from an investigator. That evening, I purchased a XXXX XXXX account in an effort to protect my personal and identification information. On XX/XX/2023 I called my bank multiple times to follow up with the disputes. Each time I was told either ( A ) there is no information that they can provide me at the moment; or ( B ) I would receive a call from an investigator. I called my bank later that evening and was told that my funds could be transferred to my XXXX XXXX account which was linked to my Ally Bank account so that I can pay my rent and bills. After multiple phone transfers, I was told that they could not help me and that I must wait. On XX/XX/, I received a notification from XXXX XXXX alerting me of someone attempted to open an account and/or a transaction with XXXX. I immediately called and informed them that it was not me. I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX under my name with my identify/personal information. The date the credit card was opened was on XX/XX/. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX. I notified XXXX XXXX XXXX XXXX of the account being unauthorized. Later that day, I filed a report with the Federal Trade Commission. I called my bank and provided them with the report number. On XX/XX/, I filed a police report and called my bank to provide them with the information. Today, I received a phone call from XXXX XXXX informing me of suspicious activity being made with an account associated with my social security number. The date the account was opened was on XX/XX/. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I notified XXXX XXXX of the account being unauthorized. Throughout this time, I made a conscious effort to update Ally Bank of all fraudulent acts, my being threatened, and requested that I gain access to my funds to pay my apartment rent and bills. I discovered that my financial institution " Ally Bank '' closed my bank account and that I would no longer be able to bank with their institution again. Each time I called my bank, I kindly informed them that Ally is my primary bank account in which I receive direct deposits from my employer biweekly and I use that account solely to pay for my bills. I have been charged with numerous late fees, angry phone call from my landlord, and could possibly be served with an unlawful detainer because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX of this year I called Ally and asked them to close my CD account number XXXX and mail me the check for {$51.00}. XXXX. I have never received the money. On XX/XX/XXXX, since I still hadnt received the money, I asked that the amount be deposited into my checking account number XXXX. Instead, that account was closed and that {$4000.00} balance was mailed to me. I have still not received the CD amount after five customer service calls. Ally claims two checks were mailed to me but have not provided proof. They claim the first was returned to them and the second lost mysteriously in the mail. That is impossible to believe ; I have received many dozens of correspondences by mail from them over the XXXX years Ive had an Ally account including a statement last week. W/e XX/XX/23 I made my XXXX call to customer service and asked for a supervisor. When I asked that the alleged second check be cancelled and the amount deposited into my checking account they had mistakenly closed, I was told by this supervisor that I would have to fill out a Lost Check Affidavit which includes this language : I also understand that the Bank has the right under the Uniform Commercial Code to require me to wait 90 days from the date of the original check before it issues me a replacement check. I obviously will not agree to that. I suspect this is Allys coordinated attempt to delay returning my money to me. But even if it is only systemic incompetence on Allys part, this is willful bad faith and has deprived me of seven weeks of interest payments with no progress toward receiving payment. Can you help me collect the money due to me for over 2 months? Thank you. Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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: The credit card is Ollo credit card. I am going to get straight to the point. I asked for confirmation of debt. The only legal form of confirmation of debt is wet signatures. They said the debt was confirmed. I said how was the debt confirmed. I need the persons name address, title In company, phone number and fax. Until this day not done. Per ucc 3-603 ( b ) this is legal tender. Every month you send me a coupon and then you ask me to pay your bill with a credit card or debt card or money order. Then you cash both. This is trust fraud. I have recently sent you my definition sheet of what a coupon is instrument is etc. I do not spell my name XXXX XXXX which is STRAWMAN which means XXXX person. The reason why you asked for my ssi number is to get access to my trust. You claim its for protection. Thats a lie. We have Nesara Gesara which is law. We have public law 73-10 or hjr. ( house joint resultion ) 192 which happened in 1933 when XXXX took all the gold and silver away and replaced them with for federal reserve notes promises to pay. Everything is credit swaps. The ceo and cfo must obey the law and cancel this debt. If not done I will want to supena them both to the florida court room. I will charge them with the Rico act racketeering etc. I understand you love your double payments with me its not happening. I will place a lien on surety bond of the officials .I am putting you under public notice. If necessary will face you in court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally has not been properly managing my payment for a car I received a loan from Ally and Ally is sending me bill statements saying I am 3 months behind. I have all my bank and money orders from day one showing I am currently updated on all payments. Ally also cancel the Extended warranty I purchased for the car and got the money back and did not notify Me they got {$3800.00}. Back for the warranty I call about getting the car repaired and Ally claim I call 3 weeks after getting the car. And cancel the extended warranty. I told her that You are a liar she claim she had a record of my call I ask to hear it She said ok left the phone on hold and came back 3 mins later saying she couldn't find it. She said the money went back to the lien holder which is Ally and they did not notify me that they received that money and did not deduct it from the payment of the car. Now the dealership said that they can not fix the car. If NO MORE THAN XXXX XXXX XXXX DEALERS ARE SUPPOSED TO FIX IT. THE MANUFACTURER 'S WARRANTY IS SUPPOSED TO BE ON THE CAR UNTIL THE CAR IS PAID OFF. OR IT FALLS UNDER THE LEMON LAW. WHICH MEANS I AM SUPPOSED TO GET ALL MY PAYMENTS BACK FROM THE LIEN HOLDER.also I am looking for a lawyer on the fraud committed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A