Date Received: 2023-08-01
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I called Ally 2 times trying to getting a letter or form saying that I was cancelling a dispute I had put months ago almost a year. I need proof that the dispute is being removed or cancelled and no one could help me. I am trying to buy a house and I cant having that dispute under me. I was told to wait 45 days I cant wait 45 days. And when I called again they told me there was nothing they could do to call the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: As of today XX/XX/2023 Ally Financial has called my phone 5 time and I have continued to explain my problem and I have been very cordule to the persons and they state that they are to comply with the request of not calling but that is a lie and I have still phone calls from different phone numbers but my caller ID states it is this company. I am noting with a log of the date and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I am trying to get the 10 day pay off in writing. I want it emailed to me or sent to me in my online account so I can print it off. They are delaying this because for each day it is unpaid they can charge me XXXX per day. Plus, I also noticed a XXXX late fee. It gets auto drafted from my bank, there should be no late fee. They are only willing to mail this amount to me ; because it costs me more money. In the mean time, I have a bank consolidation loan on hold costing me extra money on other bills that I am working on paying off. It should not be this hard to pay off a bill except for the fact that they get to charge me extra fees waiting for this bill to be paid off. They did this to my husband, he paid off a loan with them in full, then got late charges because they refused the check several times costing extra fees for him to pay. This is a scam to just collect more money from the unsuspecting consumer!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive been locked out of two accounts since XX/XX/XXXX at Ally Bank. I received an email Friday, XX/XX/2023 : We regret to inform you that we were just made aware of an incident that resulted in unauthorized access to your personal information. Out of an abundance of caution, we have proactively placed a restriction on your account. Please call us at your earliest convenience at XXXX and press XXXX so that our team can help. Please do not reply to this email. I called twice on Friday, twice yesterday ( XXXX ), and once this morning. No one can ever tell me what is going on. No one can ever help in any way. I always have to talk to someone else, and some other dept. fraud dept ; loss prevention dept, APO dept, account take over dept. Ive talked to 6 different people. But no one helps in any way or explains anything. Ive waited on hold twice for 30 minutes, and once for 15 minutes. They refuse go put anyone on the phone who can discuss the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: As of XX/XX/2023, I refinanced my car loan from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX rejected that check and sent it back to XXXX. XXXX sent out another check XX/XX/2023 and that check was cashed to XXXX but was never applied to my account. Upon verifying with both credit unions XXXX and myself came to the conclusion the XXXX did indeed cash the check according to our copy of the check being stamped for the date XX/XX/2023. XXXX is not agreeing to cashing it at all and keeps stating that it was rejected and sent back, yet the check was stamped as cashed towards another bank, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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: Please help me The lease company refused to give me a bill of sale so i can not register my car after i paid it off. I have tried for months and months and months to get a SIGNED bill of sale with... Date it was paid off ( buyout date ) Amount of taxis paid Buy out amount They keep sending docusign DMV will not let me reigester the car with out a SIGNED bill of sale - I have a ticket on this car i can not fix and my bills are going into the thousands. The lease company WILL NOT SEND ME MY SIGNED BILL OF SALE it needs to be a WET SIGNATURE - signed to register it I dont know what to do because technically this car is still theirs and they will not cooperate. They will not even tell me where their office is so i can go there. NOTHING please can you get them to send me a SIGNED SIGNED SIGNED 9wet signature ) bill of sale thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: We turned in our leased vehicle early. We financed a new vehicle with the same company as the lease the day we turned in the our previous vehicle. Both transactions occurred on XX/XX/2023. We used Ally Bank for both transactions. On XX/XX/2023 both my husband and I received letters stated we owed an additional disposition fee. The letter states the disposition fee was waived if a new vehicle was financed within 30 days of the termination of the lease. We contacted Ally on XX/XX/XXXX to provide them with the new account number. We were advised that the fee was valid because the lease was not terminated until XX/XX/2023. We were able to provide proof that we sold the vehicle to the dealership on XX/XX/2023. They insisted we owe the fee of {$390.00}. My husband was advised that no managers or supervisors were available to assist with this issue and providing proof we sold the vehicle was not sufficient. We turned the vehicle in on XX/XX/2023 even with the dealer not completing the transaction until XX/XX/2023 ( a date provided by Ally Bank 's representative, we are within the 30 days. The representative then stated that we owed the fee because the new financing was prior to the lease cancellation. My husband said we should not be penalized due to an error at the car dealership. She advised my husband that was not her problem nor her job to contact the dealership. The representative said if we were not prepared to pay the fee at this time we would need to make payment arrangements. My husband was very angry as the representative was not listening to him and disconnected the call. I called back and received a new representative. I explained the situation and was advised that the fee was valid because the new account was not in the same names in the same order as the previous account. Duplicate letters were sent to my husband and myself because we are both on the account. I asked to speak to a manager or supervisor and was told neither were available at this time. I was then asked to pay the fee again and I advised I would not be paying the fee until I spoke to a manager or legal representative. I also stated I would be filing a compliant. The representative said " That is fine ''. I again asked to speak to someone regarding this since 2 separate representatives gave 2 very different answers. She asked if I was going to pay the fee again. I said not until I speak to a manager. She said I could speak to someone else but it would not be a manager. She put me on hold for 15 minutes, came back on the line and said she had made a note on my account and sent a request to her manager but the fee was due and valid. I disconnected the call at that time. This is a junk fee. We have a new account. The new account was created within the appropriate time frame per the lease agreement. This fee could impact our credit scores and/or the ability to purchase another car in the future. We have been loyal customers with Ally without a problem. I believe Ally should review their policies and our account and reverse this decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78382
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have a car loan with Ally auto and they keep tagging on erroneous fees with no explanation. My last statement and my last car payment was XX/XX/XXXX of 2023. The amount of the car payment was XXXX with erroneous late fees of XXXX total amount due before payment on XXXX statement was XXXX paid my last car payment which the only thing left would be the disputed late fees of XXXX XXXX today when I looked in Ally Auto without any explanation any statement, nothing says I owe an additional {$190.00} They kept giving me different excuses but clearly on my statement it shows no additional charges they tried giving me different excuses and none of them added up. I have a copy of my last statement as well as on the website it says I only owe the disputed late charges but when I go to look at a snapshot of what my total is they added on the {$190.00}. with no provision as to why on top of that I have auto pay set up and in XXXX where I dont even have a car payment due they were going to deduct another {$370.00}. I have repeatedly contacted Ally Auto. I have contacted their corporate office theyre never there nobody ever picks up the phone and their customer service reps. Do not speak English very well, theyve given me 15 different answers on this erroneous charge and I have the documentation to prove that I do not owe this charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end 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: 33026
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A