Date Received: 2023-08-02
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: I paid XXXX XXXX XXXX a {$1000.00} deposit in XX/XX/XXXX for an out of state move to occur on XX/XX/XXXX. After several weeks of no response or correspondence, I finally spoke with XXXX on XX/XX/XXXX, when I was advised that their mover wasnt able to complete my move '' and my scheduled OUT OF STATE move of XX/XX/XXXX was being changed to XX/XX/XXXX! Note, I initiated this call & this moving date was changed without my consent any or any notice and or communication. In addition to my out of state move having been changed, XXXX also advised me that my furniture would arrive up to two weeks post the new move date of XX/XX/XXXX?! XXXX told me that they were not able to refund my deposit as my move was cancelled after their XXXX window of having booked my move. XXXX not sure where the disconnect is, but I am the victim here as I paid a {$1000.00} deposit for a move that didnt occur due to no error of my own. If I'd cancelled my move, I'd gladly accept my refund not being refunded, however XXXX rescheduled my move without any notice of consent & I shouldn't be penalized due to their shotty service. I have previously provided ALLY/OLLO with all of the applicable supports in addition to waiting an extensive wait time to speak to a rep, only to be transferred & placed back on hold and or disconnected. After questioning my denial with your rep XXXX on XX/XX/XXXX, her response was theres a lot going on in the world, I guess to say this claim was irrelevant and or was not important. XXXX then requested I send in a second letter requesting my claim be reopened, of which I did. On XX/XX/XXXX, I receive a voicemail from Ally requesting a callback. Today, XX/XX/XXXX, I just called Ally back & spoke to a CSR, who transferred me to the Dispute department, who then transferred me to a supervisor, named XXXX. XXXX apologized profusely for the handling of my claim & requested I fax a THIRD letter in requesting my claim be reopened?! XXXX also indicated that she was forwarding my claim to " Management '' and to expect a call within XXXX as I needed to speak to " Management directly '' as she had no authority?! So to clarify my next steps, I confirmed with XXXX, that I was to anticipate a call from " management '' from an unknown phone number, and If they by chance receive my voicemail again, I would need to return the call to their customer service dept. @ XXXX, who will then transfer me to the dispute department, who will them transfer me to a supervisor, who in turn will transfer me to a " member of Management ( if one is available ) '' and she replied yes!!!!!!!!!!!!!!!!!!! Aside from my formal complaint regarding my refund, the service provided by Ally is atrocious & should not be tolerated. Please note, that due to the mishandling of my claim, I have since closed my credit card account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/XXXX around XXXX I traded in my XXXX XXXX XXXX ( about XXXX miles ) at a tent sale in XXXX XXXX FL XXXX It was conducted thru XXXX XXXX XXXX based out of XXXX, FL. It was the last day of the sale. They were offering me a XXXX XXXX XXXX with about XXXX miles. They originally offered me $ XXXX for my vehicle, then $ XXXX, but then later said they liquidated the price so much they could only offer $ XXXX. I was told the original price for the XXXX was $ XXXX, but since it was the last day and wanting to secure the trade they lowered the price to $ XXXX. This was handwritten on a plain piece of white paper. Then it had my trade in value of $ XXXX written down. They would also throw in a 30 day warranty, cover all XXXX fees, and a $ XXXX cash rebate. My calculation was then $ XXXX minus & $ XXXX is roughly $ XXXX $ XXXX since I knew there are taxes and fees. Sounded good, I physically signed this handwritten white paper. After waiting awhile my salesman XXXX returned with a tablet and said this is the paperwork electronically, just tap here. And continued thru each page saying tap here. I received the completed paperwork the next afternoon ( XX/XX/XXXX at XXXX ) and it says my loan is for $ XXXX. Those numbers dont add up. It says I purchased the vehicle for $ XXXX. I certainly did not agree to that! The vehicle is not worth that either. I tried calling the dealership immediately. I either want the paperwork corrected to the original offer or I will bring the vehicle back and get my old car, essentially cancelling everything out. The operator directs the call to a full voicemail and if you call back doesnt even say hello and directs to that voicemail continuously. By choosing out of state I was able to be directed to an actual person who got me connected. They then told me they cant find that original paper I mentioned and the loan is done and everything is completed. Absolutely disgusting they can just do that to a person. Im sure they do it a lot and take advantage of everything electronic and just going tap here. Especially since I only dealt directly with XXXX, but his name is not in the paperwork at all, someone else is listed. We attempted to contact XXXX who gave us his number that night, but once he found out it was about an issue he no longer responds either. So glad they felt the need to scam a single mom with her toddler. I filed a complaint with the XXXX on XX/XX/XXXX and then was contacted XX/XX/XXXX by XXXX to explain the numbers. He told me I must have misheard because the $ XXXX was the price after all the discounts. I would have never agreed to the other amounts, the vehicle is not worth more than $ XXXX. XXXX then had someone in the XXXX XXXX contact me. He explained how they got their numbers. I mustve been mistaken about the numbers I was originally told. I continue to state I would never have agreed to those numbers as the vehicle is not worth {$24000.00}. XXXX person states yes it is. He told me I can come to the dealership and trade it in for a different vehicle for lower payments. The handwritten paper is still lost. I was able to get the XXXX paperwork messaged to me at least after being told I would get it. Now I was able to see it had damage but no accident reported. On XX/XX/XXXX I went to multiple other dealerships local to me and the highest trade-in value I was given was {$15000.00}. Which I agree the vehicle is worth, and about what I expected my loan to be for. I have updated my complaint on XX/XX/XXXX with this information. Ive attempted to contact the dealership, but I get no response. I tried sending a message to their website and was texted by 4 different sales people, but when I state my message is about a supervisor request for a sale I am ignored again. I am willing XXXX XXXX to them if guaranteed a vehicle switch to my original trade-in or the cash/check value of my trade in ( $ XXXX ). I can not make payments and I will be at a loss. Ive attempted to contact Ally bank, who the loan is thru. They originally told me to contact XXXX XXXX, who then informed me they would never get my information because they didnt finance it. Ally bank continues to tell me to contact the dealership or XXXX XXXX. My next step will be to tell them I can not afford payments. The dealership got their scam money and dont seem to care about their victims. Now on XX/XX/XXXX I updated the XXXX complaint again since Ive received no responses still. I have now begun to receive loan denials from multiple agencies that denied the loan request due to the vehicle/product not being worth the amount. I am highly doubtful I will receive resolution as I see multiple complaints with the loan information changed as well. Or even the {$2000.00} rebate that I was told Id get, which I later found out was just added to my loan. This whole situation has begun to make me physically ill. And I see no solution at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ally said over the phone that it was paid off after the wreck in XX/XX/2019. XXXX XXXX totaled the car out due to the wreck., So i don't understand why I have a balance. i was current on all my payments at the time. The car was XXXX XXXX paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # ALLY Account name : # ALLY, Account name : # Account name : # has violated my rights. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/2023 I mailed a cashiers check from my financial institution to refinance and pay off the total left on my auto loan with Ally Financial. The balance on the check reflected the total amount to pay off before the next payment was due, but it didnt reflect on my Ally account until XX/XX/XXXX which caused me to make a payment to prevent any derogatory remarks on my credit score. After making the payment there was a difference of {$420.00} that Ally was going to refund me. I waited 3 weeks for the check to arrive but nothing in the mail. I called Ally and they told me it was sent out roughly around XX/XX/XXXX and I should be getting it any day. Once a week passed I had a feeling something shady was going on and followed up again with another phone call. I told them that I felt the check must have been lost in transit because I still hadnt received it but to my surprise they told me the check had already been cashed and they couldnt send another one. They told me the only option I had available was that they could send me a secure message with the information of the bank that had cashed the check and they would get right on it which was back on XX/XX/XXXX. I called XX/XX/XXXX and just got off the phone with them today to find out that there is still no update or information that they have for me. I asked to speak to a supervisor and all of them were in a meeting ironically. They told me that the supervisor would follow up with me but that was 3-4 weeks ago. Im seeking to attain my refund and end all association with Ally Financial. After spending roughly 5 years with this company Im extremely disappointed with their services and care for their customers. If their only option of referencing me the bank that cashed the check is unsuccessful then they should issue me a direct check or payment to end this once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Ally Financial has fabricated a response to justify their failure to release my title after I paid the loan in full, following an unlawful repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Ally Financial secured the vehicle in XXXX of XXXX and has continued to report the same amount owed. In communications where we have requested the accounting, receipts, notice of sale, information relative to cure, etc. we have simply received notations that the matter is closed. We have also asked for the original contract and further communicated with all three consumer bureaus relative to who they spoke with that verified this false information. We have been stonewalled and continue to receive an answer that the debt is verified with no documentation or substantiation. We have continually made good faith efforts to discover the disposition of their recoupment, how this has impacted the alleged balance and further why they have not followed any of the NC laws related to repossession, but instead opted to continuously, purposefully and willfully report inaccurate information that has damaged my credit reputation. The balance of {$11000.00} is grossly inaccurate subsequent to the recoupment. This balance has been reported for over two years ( since XX/XX/XXXX ). The payment history is also inaccurate. In fact, when we disputed the information, they illegally updated their records and renewed their false reporting to the bureaus. We allege that they have engaged in false and deceptive business practices. They have admitted as much publicly as they have been the subject of litigation for this very issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account ( Acct # XXXX ) at Ally Bank was closed on XX/XX/2021. It was reported to XXXX XXXX XXXX The remaining balance in the account was never sent as it should have been after the closing of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023, I applied in good faith for a 2023 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The vehicle is shown here XXXX XXXX XXXX. Despite my consumer report having no derogatory accounts, the dealership discriminated against me and consequently, so did ALLY FINANCIAL. On XX/XX/2023, XXXX XXXX XXXX, known also as XXXX XXXX Washington, submitted my application to ALLY FINANCIAL and stated that ALLY FINANCIAL 'S response was that of Adverse Action, despite my right to initiate the consumer credit transaction. On XX/XX/2023, I called ALLY FINANCIAL requesting why was I denied. According to the representative, " possibly '' due to my credit score. This is a violation of federal law and is congruent with the act of discrimination. There are no federal laws that states a credit score can influence the denial of my right to extend credit. I have reason to believe and do so believe that ALLY FINANCIAL may have discriminated against me. The dealership encouraged that I place a large down payment on the application to influence their decision, however, I'm well aware that pursuant to 15 USC 1605, a downpayment is unlawful and must be included within the finance charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A